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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 129th largest credit union in the state of Tennessee. It is also the 5,125th largest credit union in the nation. It was established in 2003 and as of March of 2017, it had grown to 1 employees and 1,318 members at 1 location. Smart Choice Credit Union has a B health rating.

Field of Membership Restrictions

Bradley Initiative CU is open to people who reside in designated areas/area of Tennessee, and full details are disclosed through the process of contacting a service representative at Bradley Initiative CU.
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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 - YTD1.17%
Return on Equity - YTD11.08%
Annual Interest Income$45.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$3.2MM$2.8MM
LoansQ1 2017vs Q1 2016$1.5MM$1.3MM
DepositsQ1 2017vs Q1 2016$2.9MM$2.5MM
Equity CapitalQ1 2017vs Q1 2016$325.00K$311.00K
Loan Loss AllowanceQ1 2017vs Q1 2016$55.00K$65.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$15.00K$15.00K
Real Estate OwnedQ1 2017vs Q1 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