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Overview / Commentary
1075 Blythe Ave Se
Cleveland, TN 37311

Smart Choice Credit Union is headquartered in Cleveland and is the 128th largest credit union in the state of Tennessee. It is also the 5,072nd largest credit union in the nation. It was established in 2003 and as of June of 2017, it had grown to 1 employees and 1,333 members at 1 location. Smart Choice Credit Union has a C+ 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.
See current membership details


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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 - YTD1.35%
Return on Equity - YTD13.02%
Annual Interest Income$97.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$3.3MM$2.7MM
LoansQ2 2017vs Q2 2016$1.4MM$1.3MM
DepositsQ2 2017vs Q2 2016$3.0MM$2.3MM
Equity CapitalQ2 2017vs Q2 2016$338.00K$311.00K
Loan Loss AllowanceQ2 2017vs Q2 2016$57.00K$65.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$32.00K$17.00K
Real Estate OwnedQ2 2017vs Q2 2016$0$0
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Smart Choice Credit Union CD Rates

0.50%$500-12 Month CD
0.25%$500-6 Month CD

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