Civic Intelligence

Smw Financial Credit Union

EIN 41-0840716 • 501(c)14 • Lino Lakes, MN

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Profile

Smw financial credit union's mission is to build trusted relationships and strong financial futures for our members. Membership is open to anyone who lives, works, worships, goes to school or volunteers in anoka, hennepin, ramsey or washington counties of minnesota.

700 Apollo DrLino Lakes, MN 55014

www.smwfcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

77th percentile

0.90x

Higher debt load relative to assets than 77% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

73rd percentile

17.72x

Higher debt load relative to revenue than 73% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

27th percentile

4.5%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

63rd percentile

$176,956

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 3.8% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

58th percentile

2.6%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

42nd percentile

8.2%

Faster revenue growth than 42% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets77th percentile

Assets

Up

$90,508,295

Up $2,308,318 (+2.6%) from 2023

Liabilities

Up

$81,767,447

Up $1,878,286 (+2.4%) from 2023

Net Assets

Up

$8,740,848

Up $430,032 (+5.2%) from 2023

Operations
Liabilities / Revenue73rd percentileNet Margin27th percentile

Revenue

Up

$4,614,239

Up $348,747 (+8.2%) from 2023

Expenses

Up

$4,406,643

Up $585,995 (+15%) from 2023

Net Income

Down

$207,596

Down $237,248 (-53%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2017: $78,964,810Liabilities 2017: $71,130,124Net Assets 2017: $7,834,6862017Assets 2018: $80,828,674Liabilities 2018: $73,051,167Net Assets 2018: $7,777,5072018Assets 2019: $78,549,638Liabilities 2019: $70,440,740Net Assets 2019: $8,108,8982019Assets 2020: $88,615,036Liabilities 2020: $80,429,277Net Assets 2020: $8,185,7592020Assets 2021: $93,612,043Liabilities 2021: $85,226,900Net Assets 2021: $8,385,1432021Assets 2022: $90,556,222Liabilities 2022: $83,152,181Net Assets 2022: $7,404,0412022Assets 2023: $88,199,977Liabilities 2023: $79,889,161Net Assets 2023: $8,310,8162023Assets 2024: $90,508,295Liabilities 2024: $81,767,447Net Assets 2024: $8,740,8482024

Highlighted filing

2024

Assets$90,508,295
Liabilities$81,767,447
Net Assets$8,740,848
Open 2024 Filing

Operations Trend

Revenue Growth42nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MRevenue 2017: $4,185,609Expenses 2017: $4,182,263Net Income 2017: $3,3462017Revenue 2018: $4,408,206Expenses 2018: $4,465,384Net Income 2018: -$57,1782018Revenue 2019: $4,254,811Expenses 2019: $3,964,145Net Income 2019: $290,6662019Revenue 2020: $3,622,725Expenses 2020: $3,608,081Net Income 2020: $14,6442020Revenue 2021: $3,993,239Expenses 2021: $3,644,964Net Income 2021: $348,2752021Revenue 2022: $3,852,056Expenses 2022: $3,480,894Net Income 2022: $371,1622022Revenue 2023: $4,265,492Expenses 2023: $3,820,648Net Income 2023: $444,8442023Revenue 2024: $4,614,239Expenses 2024: $4,406,643Net Income 2024: $207,5962024

Highlighted filing

2024

Revenue$4,614,239
Expenses$4,406,643
Net Income$207,596
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$90,508,295
Liabilities
$81,767,447
Net assets
$8,740,848
Revenue
$4,614,239
Expenses
$4,406,643
Net income
$207,596
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.5$81.8$8.74$4.61$4.41$0.21
2023Detailed filing. Detailed filing data is available for this year.$88.2$79.9$8.31$4.27$3.82$0.44
2022Detailed filing. Detailed filing data is available for this year.$90.6$83.2$7.40$3.85$3.48$0.37
2021Detailed filing. Detailed filing data is available for this year.$93.6$85.2$8.39$3.99$3.64$0.35
2020Detailed filing. Detailed filing data is available for this year.$88.6$80.4$8.19$3.62$3.61$0.01
2019Detailed filing. Detailed filing data is available for this year.$78.5$70.4$8.11$4.25$3.96$0.29
2018Detailed filing. Detailed filing data is available for this year.$80.8$73.1$7.78$4.41$4.47$0.06
2017Detailed filing. Detailed filing data is available for this year.$79.0$71.1$7.83$4.19$4.18$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 24, 2025
Return Version
2024v5.2
Gross Receipts
$4,614,239
Mission and Program Overview

Mission

Smw financial credit union's mission is to build trusted relationships and starong financial futures for our members. Membership is open to anyone who lives, works, worships, goes to school or volunteers in anoka, hennepin, ramsey or washington counties of minnesota.

Build trusted relationships and strong financial futures.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,443,795$53,944,820▼ $2,498,975
Investments in Publicly Traded Securities$16,725,719$16,297,106▼ $428,613
Savings and Temporary Cash Investments$7,173,405$11,433,033▲ $4,259,628
Rtn Earn Endowment Incm Other Fnds$8,310,816$8,740,848▲ $430,032
Land, Buildings, and Equipment, Net$4,068,238$4,019,725▼ $48,513
Cash and Non-Interest-Bearing Accounts$752,851$893,736▲ $140,885
Prepaid Expenses and Deferred Charges$177,623$201,876▲ $24,253
Investments Other Securities$154,200$153,000▼ $1,200
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$88,199,977$90,508,295▲ $2,308,318
Other Assets Total$2,704,146$3,564,999▲ $860,853
Liabilities
Other Liabilities$79,710,555$81,628,410▲ $1,917,855
Accounts Payable and Accrued Expenses$178,606$139,037▼ $39,569
Total Liabilities$79,889,161$81,767,447▲ $1,878,286
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,310,816$8,740,848▲ $430,032
Total Liabilities and Net Assets / Fund Balance$88,199,977$90,508,295▲ $2,308,318

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,087,506$2,792,433$4,879,939
Equipment$135,845$2,338,505$2,474,350
Land$1,796,374-$1,796,374
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Erin McnamaraPresident/CEOFT$149,162$27,794$176,956
Tanya BacigalupoVP of LendingFT$122,083$18,887$140,970
Jeff EllingsonCFOFT$117,907$16,399$134,306
Dan PiilolaVP ItFT$104,058$24,861$128,919

Board Members and Trustees

NameTitle
Michael T DayChairman
James WrightDirector
Jay R StrubDirector
Michael G TrudeauDirector
Scott W KloetzkeDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
FinastraData Processing/softwarePO BOX 53512, Atlanta, GA 30324$122,082
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,725,937
Investment Income
$888,302
Other Revenue
$0
Change in Net Assets
$207,596
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,760,487
Salaries, Compensation, and Employee Benefits$1,490,636
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$1,155,520
Other Salaries and Wages---$711,019
Office Expenses---$617,433
Current Officers, Directors, Trustees, and Key Employees---$581,151
Information Technology---$375,396
Occupancy---$208,190
Depreciation Depletion---$152,614
Advertising---$103,160
Payroll Taxes---$95,662
Other Employee Benefits---$87,531
Fees for Services Other---$67,799
Fees for Services Accounting---$38,446
Pension Plan Contributions---$15,273
Travel---$10,712
Fees for Services Legal---$9,960
Other Expenses---$2,678
Interest---$204
Total Functional Expenses$0$0$0$4,406,643
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares and Deposits$81,628,410
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The organization has one class of membership. Membership is composed of those who live, work, worship, volunteer, attend school, or conduct business in and other legal entities in anoka, hennepin, ramsey, and washington counties, minnesota and pay the initial installment thereon and entrance fee if any.”

Form 990, Part VI, Section A, Line 7A

“Members elect the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Certain credit union regulations require approval of the majority of the members.”

Form 990, Part VI, Section B, Line 11B

“The cfo and president/ceo will review and approve the 990 prior to submitting to the internal revenue service. The board will be notified the return has been completed.”

Form 990, Part VI, Section B, Line 12C

“The organizations conflict of interest policy covers all employees and board members. Management verifies employees are in compliance with the conflict of interest policy. The board reviews and determines if any conflict involving the management team exists. The conflict of interest policy covers all restriction arising if a conflict of interest exists.”

Form 990, Part VI, Section B, Line 15

“The board of directors is responsible for establishing the ceo's compensation plan. The ceo is responsible for establishing other officer compensation. The process described here was last completed in 2024.”

Form 990, Part VI, Section C, Line 19

“Month end financial statements are posted on site and available on regulatory sites.”

Filing and Contact Details

Filer

Filer Name
Smw Financial Credit Union
EIN
41-0840716
Phone
5077471582
Address
700 APOLLO DR, LINO LAKES, MN 55014

Signing Officer

Name
Chris Stueven
Title
Controller
Phone
6517471582
Signed
2025-10-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Erin Mcnamara
Formed
1953
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
20
Volunteers
7

Preparer

Firm
Cliftonlarsonallen Llp
Address
109 N MAIN STREET SUITE 200, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“ROUNDING 1.”

Raw XML AppendixShowing 400 of 402 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/PayrollTaxesGrp/TotalAmt095662
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt015273
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0177623
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0201876
IRS990/PrincipalOfficerNm0ERIN MCNAMARA
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1524298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02913290
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1421762
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2381595
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02913290
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1421762
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2390885
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt09290
IRS990/ProgSrvcAccomActy2Grp/Desc0SERVED MEMBERS INTERESTS BY ACCEPTING DEPOSITS, GRANTING LOANS, AND INVESTING EXCESS FUNDS IN A PRUDENT MANNER.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0661957
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0695728
IRS990/PYOtherExpensesAmt01789305
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03569764
IRS990/PYRevenuesLessExpensesAmt0444844
IRS990/PYSalariesCompEmpBnftPaidAmt01369386
IRS990/PYTotalExpensesAmt03820648
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04265492
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0207596
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08310816
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08740848
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07173405
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011433033
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02087506
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02792433
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04879939
IRS990ScheduleD/EquipmentGrp/BookValueAmt0135845
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02338505
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02474350
IRS990ScheduleD/LandGrp/BookValueAmt01796374
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01796374
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt081628410
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL SHARES AND DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04019725
IRS990ScheduleD/TotalLiabilityAmt081628410
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0149162
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount05000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07864
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014930
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ERIN MCNAMARA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0176956
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS ONE CLASS OF MEMBERSHIP. MEMBERSHIP IS COMPOSED OF THOSE WHO LIVE, WORK, WORSHIP, VOLUNTEER, ATTEND SCHOOL, OR CONDUCT BUSINESS IN AND OTHER LEGAL ENTITIES IN ANOKA, HENNEPIN, RAMSEY, AND WASHINGTON COUNTIES, MINNESOTA AND PAY THE INITIAL INSTALLMENT THEREON AND ENTRANCE FEE IF ANY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN CREDIT UNION REGULATIONS REQUIRE APPROVAL OF THE MAJORITY OF THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CFO AND PRESIDENT/CEO WILL REVIEW AND APPROVE THE 990 PRIOR TO SUBMITTING TO THE INTERNAL REVENUE SERVICE. THE BOARD WILL BE NOTIFIED THE RETURN HAS BEEN COMPLETED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATIONS CONFLICT OF INTEREST POLICY COVERS ALL EMPLOYEES AND BOARD MEMBERS. MANAGEMENT VERIFIES EMPLOYEES ARE IN COMPLIANCE WITH THE CONFLICT OF INTEREST POLICY. THE BOARD REVIEWS AND DETERMINES IF ANY CONFLICT INVOLVING THE MANAGEMENT TEAM EXISTS. THE CONFLICT OF INTEREST POLICY COVERS ALL RESTRICTION ARISING IF A CONFLICT OF INTEREST EXISTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS IS RESPONSIBLE FOR ESTABLISHING THE CEO'S COMPENSATION PLAN. THE CEO IS RESPONSIBLE FOR ESTABLISHING OTHER OFFICER COMPENSATION. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MONTH END FINANCIAL STATEMENTS ARE POSTED ON SITE AND AVAILABLE ON REGULATORY SITES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ROUNDING 1.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9:
IRS990ScheduleR/IdDisregardedEntitiesGrp/DirectControllingEntityName/BusinessNameLine1Txt0SMW FINANCIAL CREDIT UNION
IRS990ScheduleR/IdDisregardedEntitiesGrp/DisregardedEntityName/BusinessNameLine1Txt0SMW FINANCIAL LLC
IRS990ScheduleR/IdDisregardedEntitiesGrp/EIN0271636681
IRS990ScheduleR/IdDisregardedEntitiesGrp/EndOfYearAssetsAmt0721981
IRS990ScheduleR/IdDisregardedEntitiesGrp/LegalDomicileStateCd0MN
IRS990ScheduleR/IdDisregardedEntitiesGrp/PrimaryActivitiesTxt0LOAN GENERATION/CUSO
IRS990ScheduleR/IdDisregardedEntitiesGrp/TotalIncomeAmt00
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/AddressLine1Txt0700 APOLLO DR
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/CityNm0LINO LAKES
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/StateAbbreviationCd0MN
IRS990ScheduleR/IdDisregardedEntitiesGrp/USAddress/ZIPCd055014
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt088199977
IRS990/TotalAssetsEOYAmt090508295
IRS990/TotalAssetsGrp/BOYAmt088199977
IRS990/TotalAssetsGrp/EOYAmt090508295
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt020
IRS990/TotalFunctionalExpensesGrp/TotalAmt04406643
IRS990/TotalGrossUBIAmt09290
IRS990/TotalLiabilitiesBOYAmt079889161
IRS990/TotalLiabilitiesEOYAmt081767447
IRS990/TotalLiabilitiesGrp/BOYAmt079889161
IRS990/TotalLiabilitiesGrp/EOYAmt081767447
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08310816
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08740848
IRS990/TotalOtherCompensationAmt082941
IRS990/TotalProgramServiceRevenueAmt03725937
IRS990/TotalReportableCompFromOrgAmt0498210
IRS990/TotalRevenueGrp/ExclusionAmt0888302
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03716647
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04614239
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt09290
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt088199977
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt090508295
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt010712
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0700 APOLLO DR
IRS990/USAddress/CityNm0LINO LAKES
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055014
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.SMWFCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRIS STUEVEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CONTROLLER
ReturnHeader/BusinessOfficerGrp/PhoneNum06517471582
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SMW FINANCIAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SMWF
ReturnHeader/Filer/EIN0410840716
ReturnHeader/Filer/PhoneNum05077471582
ReturnHeader/Filer/USAddress/AddressLine1Txt0700 APOLLO DR
ReturnHeader/Filer/USAddress/CityNm0LINO LAKES
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055014
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0109 N MAIN STREET SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0AUSTIN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd055912
ReturnHeader/PreparerPersonGrp/PhoneNum05074347000
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-24
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TANYA MEDGAARDEN
ReturnHeader/ReturnTs02025-10-27T11:14:24-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01

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