Smw Financial
Smw Financial is a credit union based in Lino Lakes, Minnesota, established in 1954, with $92 million in total assets serving 4,624 members. By Trust Grade it ranks 50th of 81 credit unions we track in Minnesota. Its net worth ratio of 10.9% trails most similarly sized credit unions (24th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.57% return on assets. No consumer complaints against Smw Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Smw Financial compares to Minnesota peers
How we graded Smw Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.9% capital ratio)
- Profitable (ROA 0.57%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Smw Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Smw Financial insured?
Yes. Smw Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Smw Financial: frequently asked questions
Is Smw Financial a good credit union?
Smw Financial earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Profitable (ROA 0.57%).
Is Smw Financial NCUA-insured?
Yes. Smw Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Smw Financial?
Smw Financial holds $92 million in total assets, ranking 50th of 81 credit unions we track in Minnesota. It serves 4,624 members.
Does Smw Financial have CFPB complaints?
No CFPB complaints against Smw Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
