2021 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 |
| Charter Number # | # 13234 |
| Date Established | 1959 |
| Assets | $0.06 million |
| Loans | $0.00 million |
| Deposits | $0.05 million |
| Capital | $0.01 million |
Deposit Rates - January 26, 2021
Your Current Location: Connecticut, CT 06828
We do not yet have rates for S M
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Note to S M
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Loan Rates - January 26, 2021
Your Current Location: Connecticut, CT 06828
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 - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1429243 |
2.480% | 2.375% | 1.00 | $3,500 | $972 | Learn More |
NMLS ID: 2890 License#: 13256 |
2.576% | 2.500% | 1.00 | $2,500 | $988 | Learn More |
NMLS ID: 1168 |
2.571% | 2.500% | 1.00 | $2,345 | $988 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loans See Table |
2.240 %
|
$0 |
Learn More
More Info |
People's United Bank, N.A. See Table |
4.000 %
|
$0 |
Learn More
More Info |
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:
Fairfield,Connecticut
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% | 4.42 |
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 September 30, 2020, 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% | 12.91% |
S M FCU has a net worth of 17.7% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About S M
Branches and Savings
What is S M?
A credit union, registered with the NCUA under certificate #13234.
Learn more about credit unions here.
Is S M FDIC insured?
No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.
Who can join S M?
Please see Field of Membership information above for information on who is eligible to join.
How big is S M?
S M has total capital of $0.01 million. Full information on S M's financial position is located above.
Who owns S M?
Credit Unions are owned by their members.
Where are S M branches located?
See branch locations nearby.
Are S M ATMs Open 24/7?
Do S M ATMs accept cash deposits?
Can S M customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does S M have a mobile app?
Does S M have mobile deposit?
Does S M have quick pay?
How can S M transfer money to other banks or credit unions?
Does S M report to credit bureaus?
Does S M use Chexsystems?
Does S M use Equifax?
What is S M's toll free phone number?
What is S M's ACH Routing Number?
What is S M's SWIFT code?
Where can I find S M's wire transfer form?
What is the S M address for deposits?
What Products Does S M Offer
Does S M offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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