SMW FINANCIAL
Charter #68676 · LINO LAKES, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.17% sits at the 25th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 87th percentile but its structural peers at the 51st — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SMW FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $92.08M | 87th pct | 51th pct |
| Members | 4,624 | 42th pct | 36th pct |
| Net worth ratio | 10.87% | 29th pct | 33th pct |
| Return on average assets | 0.58% | 42th pct | 39th pct |
| Net interest margin | 3.17% | 23th pct | 25th pct |
| Cost of funds | 1.17% | 65th pct | 61th pct |
| Loan-to-share | 65.75% | 58th pct | 59th pct |
| Delinquency 60+ days | 0.12% | 14th pct | 30th pct |
| Net charge-off ratio | 0.06% | 26th pct | 26th pct |
| Loan growth YoY | 0.89% | 70th pct | 57th pct |
| Share growth YoY | 2.43% | 45th pct | 36th pct |
| Efficiency ratio | 82.90% | 59th pct | 64th pct |
structural peer set hash: 00e51558aa176d4dfba3f756d455c12a… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.