SMART CHOICE Credit Union Profile

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SMART CHOICE

Charter #68513 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 559-1181

Fax: (423) 339-1056

Founding Date: N/A

Website: https://wwwsmartchoicecreditunion.c

Personnel & Operations

President:

Manager: COLLINS, DENIS

FT Employees: 2

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 2

Hours: M - F 9-5

Credit Union Profile Summary

SMART CHOICE is a FISCU Credit Union. With a total of 922 members [1], this institution manages approximately $3,880,862 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.42% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.03% [1].

Financial Snapshot

Total Assets [1]
$3,880,862

Total economic resources.

Total Loans [1]
$1,489,212

Total value of outstanding loans.

Total Deposits [1]
$3,512,857

Total funds deposited by members.

Members [1]
922

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.42%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.16%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
42.39%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
6.82%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.03%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-3.46%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1075 BLYTHE AVE SE

CLEVELAND, TN, 37311-2948

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by SMART CHOICE (Charter #68513).

Main Office

Smart Choice Credit Union Main Office

Type: Corporate Office

1075 Blythe Ave SE

Cleveland, TN 37311-2948

Phone: (423) 559-1181

Services: Member Services

Open in Directions

Additional Branches

Cleveland

Aurora

Type: Corporate Office

1075 Blythe ave se

Cleveland, TN 37311

Phone: (423) 559-1181

Services: None specified

Open in Directions

Smart Choice Credit union

Type: Branch Office

1075 Blythe Ave SE

Cleveland, TN 37311

Phone: (423) 559-1181

Services: None specified

Open in Directions