State credit union · Spring Valley, Illinois · NCUA charter #64731
Smartchoice
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $803K
- Total assets
- 247
- Members
- 29.4%
- Net-worth ratio
Smartchoice - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64731: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Smartchoice - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth60
- Liquidity (loan-to-share)88
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 29.38% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 29.38% | 30% |
| Delinquency Rate | 4.04% | 25% |
| Return on Assets | 0.97% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 94.02% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $803K | 247 |
| 2024Q4 | $833K | 247 |
| 2023Q4 | $891K | 264 |
Credit Union Details
- Charter Number
- 64731
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Spring Valley
- Data Quarter
- 2025Q4
What This Data Says About Smartchoice
The five-factor composite scores Smartchoice at 67/100 (Good), reflecting a net worth ratio of 29.38% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Spring Valley, Illinois, reports 247 members, $803K in total assets, and $532K in outstanding loans as of Q4 2025 under charter #64731 (peer group Under $2M, a cohort of 243 similarly-sized institutions).
On loan book quality: 4.04% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 94.02% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.97% on net income of $8K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Smartchoice financially healthy?
Smartchoice scores 67/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 29.38% net worth ratio and a 4.04% delinquency rate.
How does Smartchoice compare to other credit unions?
Smartchoice scores 67/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Smartchoice?
Membership eligibility for Smartchoice depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Smartchoice directly for current membership requirements and application steps.
Is my money safe at Smartchoice?
Federal credit unions like Smartchoice 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. Smartchoice's net worth ratio of 29.38% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Smartchoice offer compared to banks?
Credit unions like Smartchoice 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 Smartchoice directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.