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Smartchoice
Spring Valley, IL · NCUA Charter #64731 · State charter, federally insured · Chartered 1957
Total assets
$787.12K
Shares & deposits
$548.34K
Total loans
$514.35K
Members
242
Net worth
$238.24K
Branches
1
Rank: #4,195 of 4,299 U.S. credit unions by assets · #171 of 188 in Illinois. Assets changed -3.3% and membership -4.0% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 30.27% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.34% |
| Loans to shares & deposits | 93.8% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.01M | $777.67K | $0 | $228.75K |
| Jun 2023 | $943.69K | $712.74K | $0 | $230.34K |
| Jun 2024 | $858.04K | $625.29K | $0 | $232.23K |
| Jun 2025 | $813.96K | $573.66K | $0 | $237.22K |
| Jun 2026 | $787.12K | $548.34K | $0 | $238.24K |
Branch footprint
| State | Branches |
|---|---|
| Illinois | 1 |
Similar-sized credit unions
Mea ($805.96K) · Mount Carmel Baptist ($780.12K)
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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