D
Smartchoice Credit Union
Rating Date
May 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Smartchoice Credit Union
Spring Valley, IL
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Rating D
Asset Quality Index 2.30
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 6.40
Stability Index 6.90
Company Info Smartchoice Credit Union
Spring Valley, IL
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NCUA Charter Number 5228
Phone Number (815) 481-3537
Website smartchoicecu.com
Asset Quality Smartchoice Credit Union
Spring Valley, IL
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1-Year Asset Growth -9.59%
5-Year Asset Growth 0.27%
5-Year Charge-Offs to Average Loans -0.11%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 8.39%
Non-Performing Loans to Capital 23.00%
Non-Performing Loans to Loans 9.63%
Balance Sheet Smartchoice Credit Union
Spring Valley, IL
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Total Assets 858.00K
Total Deposits 618.00K
Capital and Reserves Smartchoice Credit Union
Spring Valley, IL
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Capital 236.00K
Leverage Ratio 27.51
Loan Loss Reserves to Loans 10.29%
Liquidity Smartchoice Credit Union
Spring Valley, IL
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Hot Money Ratio 0.00%
Liquidity Ratio 28.66%
Profitability Smartchoice Credit Union
Spring Valley, IL
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5-Year Return on Average Assets 0.19%
Net Income 13.00K
Net Interest Spread 5.55%
Operating Profit to Average Assets 2.01%
Overhead Efficiency Ratio 62.86%
Return on Assets 2.01%
Return on Equity 7.54%