ZUnclassifiedEIN: 410840716· Ruling Year: 1944

Smw Financial Credit Union

Lino Lakes, Minnesota

BHealth Score
64B

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Above Average

How This Organization Compares

Compared to 22 peers in Unclassified with $1M-$10M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org2.18×
Peer Median15.40×
💰
$4.3M
Total Revenue
📊
$3.8M
Total Expenses
🏦
$8.3M
Net Assets
📋
$79.9M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+10.7%
Year-over-year change (2022 → 2023)
Net Margin
+10.4%
Revenue minus expenses as % of revenue
Working Capital Ratio
2.18
Net assets divided by total expenses
Liabilities-to-Assets
90.6%
Total liabilities as % of total assets

Filing History

7 filings on record
YearRevenueExpensesAssets
2023$4,265,49211%$3,820,64810%$88,199,9773%
2022$3,852,0564%$3,480,8945%$90,556,2223%
2021$3,993,23910%$3,644,9641%$93,612,0436%
2020$3,622,72515%$3,608,0819%$88,615,03613%
2019$4,254,8113%$3,964,14511%$78,549,6383%
2018$4,408,2065%$4,465,3847%$80,828,6742%
2017$4,185,609$4,182,263$78,964,810

Frequently Asked Questions

What does Smw Financial Credit Union do?

Smw Financial Credit Union is a unclassified nonprofit organization based in Minnesota. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Smw Financial Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Smw Financial Credit Union has a score of 64/100 (Grade: B). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Smw Financial Credit Union generate?

Smw Financial Credit Union reports $4.6M in annual revenue and holds $90.5M in total assets, based on IRS filings.

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