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Overview / Commentary
423-559-1181
1075 Blythe Ave Se
Cleveland, TN 37311

Smart Choice Credit Union is headquartered in Cleveland and is the 127th largest credit union in the state of Tennessee. It is also the 4,961st largest credit union in the nation. It was established in 2003 and as of December of 2017, it had grown to 1 employees and 1,349 members at 1 location. Smart Choice Credit Union has a B health rating.

Field of Membership Restrictions

Smart Choice Credit Union is open to individuals who live, work, worship, or volunteer in four central Tennessee counties.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Smart Choice Credit Union has a very low asset base.

Health Grade Components

Overall
NCUA #68513
Year Chartered2003
Employees1
Primary Regulator
Profit Margin
Return on Assets - YTD0.89%
Return on Equity - YTD8.67%
Annual Interest Income$191.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$3.4MM$3.0MM
LoansQ4 2017vs Q4 2016$1.5MM$1.5MM
DepositsQ4 2017vs Q4 2016$3.1MM$2.6MM
Equity CapitalQ4 2017vs Q4 2016$346.00K$316.00K
Loan Loss AllowanceQ4 2017vs Q4 2016$55.00K$55.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$18.00K$16.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
Rates
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Smart Choice Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$500-12 Month CD
0.25%$500-6 Month CD
Locations


Smart Choice Credit Union Locations
Branch Office1075 Blythe Ave SECleveland, TN 37311-2948

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