S M Federal Credit Union
Headquarters
215 N 57th St
Philadelphia, PA 19139
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2025 Overview
General Credit Union Information
S M is an NCUA insured institution located in Philadelphia, PA. It was founded in 1959 and has approximately $0.06 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 13234 |
| Date Established | 1959 |
| Assets | $0.06 million |
| Loans | $0.00 million |
| Deposits | $0.05 million |
| Capital | $0.01 million |
Deposit Rates - July 30, 2025
Your Current Location: New York, NY 10116
We do not yet have rates for S M
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Loan Rates - July 30, 2025
Your Current Location: New York, NY 10116
There are currently no loan rates available for S M
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.380% | 6.250% | 0.75 | $4,414 | $1,971 | Learn More |
NMLS ID: 1067 |
6.445% | 6.375% | 0.75 | $2,362 | $1,997 | Learn More |
NMLS ID: 613839 |
6.610% | 6.490% | 0.63 | $3,999 | $2,021 | Learn More |
NMLS ID: 399799 |
6.626% | 6.500% | 1.00 | $4,348 | $2,023 | Learn More |
Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|
Note to S M
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Branches
Below are S M branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
New York City,New York
Climate Policy and Initiatives
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Financial Details
S M Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of S M. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| S M | U.S. Average |
|---|---|
| 43.60% | 6.86 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of March 31, 2025, S M had $6,326 in non-current loans and $0 in owned assets. To cover these potential losses it had $10,264 in net worth and $4,245 in loans loss reserves. That gives it a Texas Ratio of 43.60%.
Net Worth
| S M | U.S. Average |
|---|---|
| 17.7% | 14.12% |
S M FCU has a net worth of 17.7% versus the BestCashCow average of 14.12. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for S M
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