SMARTCHOICE
State-Chartered • Spring Valley, Illinois • Est. 1957
Quick Facts
- Charter Number
- #64731
- Type
- State-Chartered
- Established
- 1957
- Headquarters
- Spring Valley, Illinois 61362
- Address
- 1 Les Buzz Way
- Branches
- 1
- Members
- 247
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
247 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | SMARTCHOICE |
|---|---|
| Total Assets | $803K |
| Members | 247 |
| Loans Outstanding | $532K |
| Shares & Deposits | $566K |
| Net Worth | $236K |
| Net Worth Ratio | 29.38% |
| Loan-to-Share Ratio | 94.0% |
| Delinquency Rate | 4.04% |
| Net Income | +$4,556 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
Main office
Main Office1 Les Buzz Way Ste A
Spring Valley, IL 61362
Who Can Join SMARTCHOICE?
Membership Type: Community
Membership eligibility for SMARTCHOICE may vary. Contact the credit union directly to confirm qualification requirements.
Contact SMARTCHOICE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Illinois RankingsFrequently Asked Questions
Yes. SMARTCHOICE 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, SMARTCHOICE has 247 members and a potential membership field of 500 people.
SMARTCHOICE's net worth ratio is 29.38% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 29.4%, SMARTCHOICE meets this threshold.
SMARTCHOICE operates 1 branch location. The main office is located at 1 Les Buzz Way Ste A, Spring Valley, IL 61362.
SMARTCHOICE was established in 1957. It is a state-chartered credit union chartered under charter number 64731. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or SMARTCHOICE. All financial data is for informational purposes only.