State credit union · CLEVELAND, Tennessee · NCUA charter #68513
Smart Choice
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $3.7M
- Total assets
- 875
- Members
- 9.1%
- Net-worth ratio
Smart Choice scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.7M; members 875; net-worth ratio 9.06%; health rank #4,226 of 4,374; healthier than 3rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,226 of 4,374 health · 2025Q4Smart Choice · health 53/100 · $3.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Smart Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Smart Choice sits in 50-54 with 82 others.
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Smart Choice diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 44.44% vs peer 63.60% (-19.16 pp).
Smart Choice in Tennessee
- Tennessee health ordinal: #123 of 127.
- Tennessee assets place: #116 of 127.
- Member book place in Tennessee: #111 of 127.
- One place up in Tennessee, Basf Chattanooga (#122) scores 55/100, 2 points higher; one place down, A.U.B. Employees' (#124) scores 52/100, 1 point lower.
Smart Choice: 2025Q4 → 2026Q1
Smart Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.49 pp (9.55% → 9.06%).
This credit union's 9.06% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Smart Choice gives up 47 points in total. Delinquency Rate costs the most, 19.4 of its 25; Net Worth Ratio loses the least, 2.4.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 5.6 pts
- Return on Assets 9.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.06% | -10.00 pp |
| Delinquency Rate | 3.11% | +1.30 pp |
| Return on Assets | 0.16% | -0.29 pp |
| Member Growth | -7.11% | - |
| Loan-to-Share Ratio | 44.44% | -19.16 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.7M | 875 |
| 2024Q4 | $3.5M | 942 |
| 2023Q4 | $3.7M | 942 |
Credit Union Details
- Charter Number
- 68513
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Tennessee
- City
- CLEVELAND
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Smart Choice, spread across 2 cities in 2 states.
| Office | City |
|---|---|
| Smart Choice Credit Union (Main Office) | Cleveland, TN |
| Smart Choice Credit union | Cleveland, TN |
| Aurora | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Smart Choice
Similar health score
Using this data
- Smart Choice ranks #4,226 of 4,374 nationally on financial health and #123 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- B. M. H. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with B. M. H.
Frequently Asked Questions
Is Smart Choice financially healthy?
Smart Choice has a financial health score of 53/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,226 of 4,374 nationally on health and #123 of 127 in Tennessee. Its net worth ratio is 9.06% and its delinquency rate 3.11%.
How does Smart Choice compare to other credit unions?
Smart Choice scores 53/100, higher than 3% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (44.44% vs 63.60%).
How can I join Smart Choice?
Membership eligibility for Smart Choice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Smart Choice directly for current membership requirements and application steps.
Is my money safe at Smart Choice?
Smart Choice is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Smart Choice's net worth ratio of 9.06% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.