Smart Choice

CLEVELAND, TN · 2 · Charter #68513 · wwwsmartchoicecreditunion.c
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$3.7M
19th percentile
Members
875
32th percentile
Total loans
$1.5M
19th percentile
Total shares
$1.9M
15th percentile

Profitability

Return on assets
-0.30%
10th percentile
Net interest margin
4.60%
72th percentile
Efficiency ratio
93.14%
10th percentile
Non-interest income ratio
11.26%
57th percentile

Capital & Risk

Net worth ratio
9.55%
13th percentile
Delinquency rate
3.11%
14th percentile
Net charge-off rate
0.18%
53th percentile
Loan-to-share
78.66%
75th percentile

Growth

Member growth YoY
-7.11%
10th percentile
Asset growth YoY
6.62%
83th percentile
Loan growth YoY
-1.80%
56th percentile
Share growth YoY
-5.36%
19th percentile

Operations

Members / branch
438
20th percentile
Assets / member
$4,206
12th percentile
Field of membership penetration
6.73%
20th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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