| Weiss Ratings |
Smart Choice Credit Union
Cleveland, TN |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 7.50 | |||
| Liquidity Index | 6.80 | |||
| Profitability Index | 2.40 | |||
| Stability Index | 2.30 | |||
| 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 | 6.83% | |||
| 5-Year Asset Growth | -0.25% | |||
| 5-Year Charge-Offs to Average Loans | 1.32% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 0.27% | |||
| Non-Performing Loans to Loans | 0.07% | |||
| Balance Sheet |
Smart Choice Credit Union
Cleveland, TN |
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| Total Assets | 3.88M | |||
| Total Deposits | 3.51M | |||
| Capital and Reserves |
Smart Choice Credit Union
Cleveland, TN |
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| Capital | 366.00K | |||
| Leverage Ratio | 9.40 | |||
| Loan Loss Reserves to Loans | 0.87% | |||
| Liquidity |
Smart Choice Credit Union
Cleveland, TN |
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| Hot Money Ratio | 0.00% | |||
| Liquidity Ratio | 59.94% | |||
| Profitability |
Smart Choice Credit Union
Cleveland, TN |
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| 5-Year Return on Average Assets | -0.03% | |||
| Net Income | 3.00K | |||
| Net Interest Spread | 6.83% | |||
| Operating Profit to Average Assets | 0.16% | |||
| Overhead Efficiency Ratio | 102.04% | |||
| Return on Assets | 0.16% | |||
| Return on Equity | 1.65% | |||