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
- 875
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Below-average financial health. Net worth ratio may be approaching regulatory minimums. Members' deposits remain insured up to $250,000.
Financial Overview
Total Assets
Members
875 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMART CHOICE |
|---|---|
| Total Assets | $3.7M |
| Members | 875 |
| Loans Outstanding | $1.5M |
| Shares & Deposits | $3.3M |
| Net Worth | $351K |
| Net Worth Ratio | 9.55% |
| Loan-to-Share Ratio | 44.4% |
| Delinquency Rate | 3.11% |
| Net Income | $-11,160 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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Browse all federally insured credit unions in Tennessee, ranked by assets, members, and financial health score.
View Tennessee RankingsFrequently Asked Questions
Yes. SMART CHOICE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, SMART CHOICE has 875 members and a potential membership field of 13,000 people.
SMART CHOICE's net worth ratio is 9.55% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, SMART CHOICE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SMART CHOICE. All financial data is for informational purposes only.