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Smart Choice
CLEVELAND, TN · NCUA Charter #68513 · State charter, federally insured · Chartered 2003
Total assets
$3.44M
Shares & deposits
$3.11M
Total loans
$1.40M
Members
824
Net worth
$322.26K
Branches
3
Rank: #3,950 of 4,299 U.S. credit unions by assets · #116 of 125 in Tennessee. Assets changed -11.3% and membership -10.6% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.36% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.22% |
| Loans to shares & deposits | 44.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.86M | $3.48M | $0 | $364.04K |
| Jun 2023 | $3.57M | $3.22M | $0 | $337.37K |
| Jun 2024 | $3.63M | $3.25M | $0 | $370.82K |
| Jun 2025 | $3.88M | $3.51M | $0 | $365.47K |
| Jun 2026 | $3.44M | $3.11M | $0 | $322.26K |
Branch footprint
| State | Branches |
|---|---|
| Tennessee | 2 |
| Missouri | 1 |
Similar-sized credit unions
Otoe-Missouria ($3.46M) · Pocono Medical Center ($3.42M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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