Cleveland, Tennessee · Peer group 2
Smart Choice Credit Union
Smart Choice Credit Union holds $3.7M in assets across 890 members as of Q1 2026 — about $4K of assets per member, on a charter dating to 2003. Charter number 68513, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $3.7M |
|---|---|
| Total loans | $1.5M |
| Total shares (deposits) | $3.4M |
| Net worth | $336K |
| Members | 890 |
| Assets per member | $4K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.2% | |
|---|---|---|
| Loans | -1.0% | around the 66th percentile of its peer group |
| Deposits | 0.9% | around the 65th percentile of its peer group |
| Members | -3.6% | around the 30th 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 | 44.3% | around the 28th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | lower than 91% of its peer group |
| Return on assets | -1.61% | lower than 91% of its peer group |
| Delinquency ratio | 1.70% | around the 67th percentile of its peer group |
| Cash / assets | 32.0% | around the 86th 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 Smart Choice Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Tennessee — the comparison set a peer ratio is measured against.
- B. M. H. Credit Union
CLEVELAND, TN
$3.7M · 486 members
- Basf Chattanooga Credit Union
CHATTANOOGA, TN
$3.5M · 407 members
- TVA Mid-South Credit Union
Memphis, TN
$3.3M · 167 members
- P.I.A.S. Credit Union
Brentwood, TN
$4.3M · 527 members
- Kellogg Memphis Employees Credit Union
MEMPHIS, TN
$3.1M · 530 members
- Alcoa Municipal Employees Credit Union
ALCOA, TN
$4.4M · 866 members
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