SMART CHOICE
State-Chartered • Cleveland, Tennessee • Est. 2003
Quick Facts
- Charter Number
- #68513
- Type
- State-Chartered
- Established
- 2003
- Headquarters
- Cleveland, Tennessee 37311-2948
- Address
- 1075 Blythe Ave SE
- Branches
- 3
- Members
- 890
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 7% and a delinquency rate below 2%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
890 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMART CHOICE |
|---|---|
| Total Assets | $3.7M |
| Members | 890 |
| Loans Outstanding | $1.5M |
| Shares & Deposits | $3.4M |
| Net Worth | $336K |
| Net Worth Ratio | 9.06% |
| Loan-to-Share Ratio | 44.3% |
| Delinquency Rate | 1.70% |
| Net Income | $-14,951 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
3 locations
Smart Choice Credit Union
Main Office1075 Blythe Ave SE
Cleveland, TN 37311-2948
Aurora
805 W Stadium Blvd
Jefferson City, MO 65109-4755
Smart Choice Credit union
1075 Blythe Ave SE
Cleveland, TN 37311
Who Can Join SMART CHOICE?
Membership Type: Community
Membership eligibility for SMART CHOICE may vary. Contact the credit union directly to confirm qualification requirements.
Contact SMART CHOICE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Tennessee
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Tennessee RankingsFrequently Asked Questions
SMART CHOICE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, SMART CHOICE has 890 members and a potential membership field of 13,000 people.
SMART CHOICE's reported net worth ratio is 9.06% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
SMART CHOICE operates 3 branch locations. The main office is located at 1075 Blythe Ave SE, Cleveland, TN 37311-2948.
SMART CHOICE was established in 2003. It is a state-chartered credit union chartered under charter number 68513. The institution has been serving members for 23 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or SMART CHOICE. All financial data is for informational purposes only.