Credit union · NCUA insured
Sheet Metal Workers Local 104 Federal Credit Union
A $116.8M credit union headquartered in Livermore, CA, with 10,986 members and 1 branch in California. Best rates: CDs 3.50% and savings 0.19% APY.
Sheet Metal Workers Local 104 Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#28 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sheet Metal Workers Local 104 Federal Credit Union
- Headquarters
- 3156 Constitution Dr, Livermore, CA 94551-7570
- NCUA charter
- 14934
Branches
1 branch in California
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California
1 branch
- Smw 104 FcuMain office3156 Constitution Dr, Livermore, CA 94551Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.65% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.89% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $53 | $76 | — |
- CapitalNet worth ratio12.65%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.89%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$53Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sheet Metal Workers Local 104 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.