SMW Financial Credit Union


Overview / Commentary
651-747-1500
700 Apollo Dr
Lino Lakes, MN 55014

SMW Financial Credit Union is headquartered in Lino Lakes and is the 46th largest credit union in the state of Minnesota. It is also the 1,936th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 12 employees and 4,681 members at 2 locations. SMW Financial Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Anoka, Hennepin, Ramsey or Washington Counties of Minnesota.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. SMW Financial Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #68676
Year Chartered1954
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD0.4%
Return on Equity - YTD3.98%
Annual Interest Income$943K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$89.3MM$91.2MM
LoansQ1 2025vs Q1 2024$53.6MM$55.6MM
DepositsQ1 2025vs Q1 2024$80.1MM$82.6MM
Equity CapitalQ1 2025vs Q1 2024$9MM$8.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$304K$341K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1,000$12K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for SMW Financial Credit Union are currently being reviewed.

Locations


SMW Financial Credit Union Locations
Branch Office700 Apollo DrLino Lakes, MN 55014-3035
Branch Office1691 Cope Ave EMaplewood, MN 55109-2632

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