Overview / Commentary
423-559-1181
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 4,885th largest credit union in the nation. It was established in 2003 and as of June of 2018, it had grown to 2 employees and 1,388 members at 1 location. Smart Choice Credit Union's CD rates are 39% higher than the national average, and it 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
Employees2
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.2%
Annual Interest Income$89.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$3.5MM$3.3MM
LoansQ2 2018vs Q2 2017$1.5MM$1.4MM
DepositsQ2 2018vs Q2 2017$3.1MM$3.0MM
Equity CapitalQ2 2018vs Q2 2017$361.00K$338.00K
Loan Loss AllowanceQ2 2018vs Q2 2017$55.00K$57.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$13.00K$32.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Smart Choice Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$500-12 Month CD
0.75%$500-6 Month CD
Locations


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

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