credit union · NCUA 68676 · MN
How big is SMW FINANCIAL?
SMW FINANCIAL (MN, NCUA charter 68676) reported total assets of $87.5M, 4,644 members and a net worth ratio of 11.51% in its Call Report for 2026Q2. That ranks 1935 of 4,299 federally insured credit unions by assets, 115 of 573 among credit unions with $50m-$100m in assets, 44 of 80 credit unions in minnesota.
What stands out
SMW FINANCIAL (MN, NCUA charter 68676) reported total assets of $87.5M, 4,644 members and a net worth ratio of 11.51% in its Call Report for 2026Q2. That ranks 1935 of 4,299 federally insured credit unions by assets, 115 of 573 among credit unions with $50m-$100m in assets, 44 of 80 credit unions in minnesota. Against its size class: net worth ratio 11.51%, below the peer median of 12.95%; loan-to-share ratio 74.94%, above the peer median of 60.93%; return on assets 0.44%, below the peer median of 0.73%. At 11.51% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $87.5M | $72.1M | $117.2M | $68.3M | record → |
| Shares and deposits | $77.6M | $61.4M | $102.2M | $58.3M | record → |
| Loans outstanding | $58.1M | $37.6M | $84.3M | $34.4M | record → |
| Net income (year to date) | $194.0k | $269.0k | $350.3k | $222.2k | record → |
| Net worth | $10.1M | $9.2M | $13.1M | $9.0M | record → |
| Net worth ratio | 11.51% | 12.95% | 12.56% | 12.65% | record → |
| Loan-to-share ratio | 74.94% | 60.93% | 77.94% | 68.70% | computed |
| Return on assets | 0.44% | 0.73% | 0.86% | 0.71% | computed |
| Members | 4,644 | 5,030 | 5,954 | 4,818 | record → |
Quarter by quarter
42 Call Reports on record, 2016Q1–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $87.5M | $77.6M | $58.1M | $194.0k | 11.51% | 4,644 | 1935 |
| 2026Q1 | $92.1M | $82.2M | $54.0M | $132.4k | 10.87% | 4,624 | 1906 |
| 2025Q4 | $90.8M | $81.0M | $52.2M | $423.5k | 10.88% | 4,609 | 1913 |
| 2025Q3 | $89.9M | $80.2M | $53.6M | $330.6k | 10.89% | 4,664 | 1922 |
| 2025Q2 | $87.8M | $78.5M | $54.4M | $202.7k | 11.00% | 4,663 | 1947 |
| 2025Q1 | $89.3M | $80.1M | $53.6M | $89.7k | 10.69% | 4,681 | 1936 |
| 2024Q4 | $90.5M | $81.6M | $54.3M | $207.6k | 10.45% | 4,695 | 1910 |
| 2024Q3 | $91.3M | $82.2M | $53.6M | $151.3k | 10.30% | 4,835 | 1907 |
| 2024Q2 | $89.6M | $80.9M | $54.0M | $73.5k | 10.40% | 5,404 | 1931 |
| 2024Q1 | $91.2M | $82.6M | $55.6M | $35.4k | 10.18% | 5,420 | 1925 |
| 2023Q4 | $88.2M | $79.7M | $56.8M | $444.8k | 10.48% | 5,423 | 1946 |
| 2023Q3 | $89.7M | $80.7M | $57.3M | $341.3k | 10.20% | 5,453 | 1931 |
| 2023Q2 | $88.7M | $80.9M | $57.8M | $245.9k | 10.20% | 5,435 | 1946 |
| 2023Q1 | $92.4M | $84.5M | $58.5M | $100.6k | 9.63% | 5,442 | 1924 |
| 2022Q4 | $90.3M | $82.9M | $56.3M | $371.2k | 9.75% | 5,410 | 1936 |
| 2022Q3 | $92.8M | $85.4M | $55.8M | $221.9k | 9.32% | 5,412 | 1919 |
| 2022Q2 | $95.7M | $88.2M | $56.2M | $109.3k | 8.93% | 5,815 | 1880 |
| 2022Q1 | $96.0M | $87.9M | $54.0M | $108.9k | 8.89% | 6,786 | 1877 |
| 2021Q4 | $93.1M | $85.1M | $53.6M | $348.3k | 9.05% | 6,819 | 1893 |
| 2021Q3 | $93.0M | $84.4M | $55.1M | $351.9k | 9.07% | 6,854 | 1882 |
| 2021Q2 | $91.6M | $83.2M | $55.6M | $24.5k | 8.85% | 6,855 | 1899 |
| 2021Q1 | $92.2M | $83.8M | $49.0M | $2.1k | 8.77% | 6,914 | 1888 |
| 2020Q4 | $88.6M | $80.3M | $49.0M | $14.7k | 9.12% | 6,936 | 1872 |
| 2020Q3 | $85.4M | $77.3M | $51.5M | $-48.1k | 9.38% | 6,950 | 1892 |
| 2020Q2 | $83.8M | $76.6M | $49.7M | $-93.3k | 9.51% | 6,987 | 1903 |
| 2020Q1 | $80.3M | $72.2M | $51.7M | $-18.5k | 10.03% | 7,023 | 1873 |
| 2019Q4 | $78.1M | $70.3M | $54.6M | $290.7k | 10.33% | 7,114 | 1876 |
| 2019Q3 | $80.4M | $72.2M | $58.0M | $237.1k | 9.97% | 7,561 | 1831 |
| 2019Q2 | $81.9M | $73.5M | $59.7M | $170.7k | 9.70% | 7,572 | 1821 |
| 2019Q1 | $82.8M | $74.6M | $61.3M | $75.6k | 9.48% | 7,587 | 1810 |
| 2018Q4 | $80.7M | $72.9M | $63.3M | $-57.2k | 9.64% | 7,598 | 1821 |
| 2018Q3 | $80.6M | $72.7M | $65.3M | $-97.5k | 9.60% | 7,618 | 1824 |
| 2018Q2 | $77.0M | $69.0M | $66.5M | $-232.0k | 9.87% | 7,584 | 1885 |
| 2018Q1 | $78.5M | $70.6M | $64.8M | $-198.0k | 9.72% | 7,572 | 1854 |
| 2017Q4 | $79.5M | $69.8M | $65.4M | $3.3k | 9.85% | 7,556 | 1818 |
| 2017Q3 | $79.3M | $71.2M | $65.2M | $-138.6k | 9.69% | 7,836 | 1827 |
| 2017Q2 | $77.9M | $70.1M | $64.8M | $-207.3k | 9.79% | 7,820 | 1860 |
| 2017Q1 | $79.0M | $71.1M | $63.2M | $-81.0k | 9.80% | 7,765 | 1841 |
| 2016Q4 | $77.9M | $70.2M | $63.8M | $87.8k | 10.16% | 7,672 | 1834 |
| 2016Q3 | $78.6M | $70.6M | $62.9M | $-11.6k | 9.95% | 7,607 | 1823 |
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