| Weiss Ratings |
Smart Choice Credit Union
Cleveland, TN |
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| Rating | ||||
| Asset Quality Index | 7.90 | |||
| Capitalization Index | 7.70 | |||
| Liquidity Index | 7.30 | |||
| Profitability Index | 3.20 | |||
| Stability Index | 3.00 | |||
| Company Info |
Smart Choice Credit Union
Cleveland, TN |
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| NCUA Charter Number | 6279 | |||
| Phone Number | (423) 559-1181 | |||
| Website | www.smartchoicecreditunion.com | |||
| Asset Quality |
Smart Choice Credit Union
Cleveland, TN |
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| 1-Year Asset Growth | -3.74% | |||
| 5-Year Asset Growth | 1.86% | |||
| 5-Year Charge-Offs to Average Loans | 1.50% | |||
| Charge-Offs to Average Loans | 1.16% | |||
| Non-Performing Assets to Assets | 0.28% | |||
| Non-Performing Loans to Capital | 2.51% | |||
| Non-Performing Loans to Loans | 0.73% | |||
| Balance Sheet |
Smart Choice Credit Union
Cleveland, TN |
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| Total Assets | 3.63M | |||
| Total Deposits | 3.26M | |||
| Capital and Reserves |
Smart Choice Credit Union
Cleveland, TN |
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| Capital | 362.00K | |||
| Leverage Ratio | 9.96 | |||
| Loan Loss Reserves to Loans | 2.61% | |||
| Liquidity |
Smart Choice Credit Union
Cleveland, TN |
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| Hot Money Ratio | 0.00% | |||
| Liquidity Ratio | 77.28% | |||
| Profitability |
Smart Choice Credit Union
Cleveland, TN |
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| 5-Year Return on Average Assets | 0.01% | |||
| Net Income | 5.00K | |||
| Net Interest Spread | 8.77% | |||
| Operating Profit to Average Assets | 0.66% | |||
| Overhead Efficiency Ratio | 89.47% | |||
| Return on Assets | 0.55% | |||
| Return on Equity | 5.56% | |||