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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 135th largest credit union in the state of Tennessee. It is also the 5,294th largest credit union in the nation. It was established in 2003 and as of September of 2016, it had grown to 2 employees and 1,401 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.
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Health
C+
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
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD7.52%
Annual Interest Income$121.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$2.6MM$2.4MM
LoansQ3 2016vs Q3 2015$1.4MM$1.3MM
DepositsQ3 2016vs Q3 2015$2.3MM$2.1MM
Equity CapitalQ3 2016vs Q3 2015$319.00K$302.00K
Loan Loss AllowanceQ3 2016vs Q3 2015$55.00K$65.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$11.00K$19.00K
Real Estate OwnedQ3 2016vs Q3 2015$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