Overview / Commentary
1075 Blythe Ave Se
Cleveland, TN 37311

Smart Choice Credit Union is headquartered in Cleveland and is the 123rd largest credit union in the state of Tennessee. It is also the 4,841st largest credit union in the nation. It was established in 2003 and as of December of 2018, it had grown to 2 employees and 1,182 members at 1 location. Smart Choice Credit Union's CD rates are 39% higher than the national average, and it has a C+ 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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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

NCUA #68513
Year Chartered2003
Primary Regulator
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.34%
Annual Interest Income$182.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$3.3MM$3.4MM
LoansQ4 2018vs Q4 2017$1.4MM$1.5MM
DepositsQ4 2018vs Q4 2017$3.0MM$3.1MM
Equity CapitalQ4 2018vs Q4 2017$359.00K$346.00K
Loan Loss AllowanceQ4 2018vs Q4 2017$55.00K$55.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$27.00K$18.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Smart Choice Credit Union CD Rates

1.25%$500-12 Month CD
0.75%$500-6 Month CD

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

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