Spring Valley, Illinois · Peer group 1
Smartchoice Credit Union
Smartchoice Credit Union holds $767K in assets across 246 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 1957. Charter number 64731, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $767K |
|---|---|
| Total loans | $554K |
| Total shares (deposits) | $529K |
| Net worth | $237K |
| Members | 246 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -3.7% | |
|---|---|---|
| Loans | -13.1% | around the 33rd percentile of its peer group |
| Deposits | -5.5% | around the 38th percentile of its peer group |
| Members | -1.6% | around the 51st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 104.9% | higher than 91% of its peer group |
|---|---|---|
| Net worth ratio | 31.0% | around the 81st percentile of its peer group |
| Return on assets | 0.75% | around the 61st percentile of its peer group |
| Delinquency ratio | 0.36% | around the 44th percentile of its peer group |
| Cash / assets | 34.3% | around the 61st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Smartchoice Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Illinois — the comparison set a peer ratio is measured against.
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- Mea Credit Union
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- St. Gregory Parish Credit Union
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- Reavis - Stickney Credit Union
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- Fellowship Baptist Church Credit Union
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- St. Mark Credit Union
Chicago, IL
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