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
- DELQ 53/100
- ROA 9.1%
- ASSETS 3.11%
- MEM 0.16%
- RANK $3.7M
- PHOTO 875
- BOOK #4,226/4,374
- CHARTER n/a
- NCUSIF 68513
Call Report peers
Smart Choice carries $3.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Smart Choice - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68513 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Smart Choice diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 44.44% vs peer 63.60% (-19.16 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Smart Choice in Tennessee
- Tennessee health ordinal: #123 of 127.
- Tennessee assets place: #116 of 127.
- Member book place in Tennessee: #111 of 127.
In-state ordinals use the live credit_unions table for TN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Smart Choice: 2025Q4 → 2026Q1
Smart Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $3.7M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.49 pp (9.55% → 9.06%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Smart Choice's nationwide photo peers by assets and by health score, excluding Tennessee charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Tennessee credit unions compare overall before assuming this one is typical. Tennessee state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Smart Choice financially healthy?
A 9.06% net worth ratio and a 3.11% delinquency rate feed into Smart Choice's financial health score of 53/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,226 of 4,374; by total assets it ranks #3,990 of 4,374 nationally (same basis as /rankings/largest); and #116 of 127 within Tennessee. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Smart Choice compare to other credit unions?
On PlainCU's health composite, Smart Choice lands at 53/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Smart Choice are 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."
What rates does Smart Choice offer compared to banks?
Credit unions like Smart Choice are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Smart Choice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.