| Weiss Ratings |
Smart Choice Credit Union
Cleveland, TN |
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| Rating | ||||
| Asset Quality Index | 7.10 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 6.50 | |||
| Profitability Index | 3.60 | |||
| 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 | -3.33% | |||
| 5-Year Asset Growth | 1.86% | |||
| 5-Year Charge-Offs to Average Loans | 1.50% | |||
| Charge-Offs to Average Loans | 1.22% | |||
| Non-Performing Assets to Assets | 0.57% | |||
| Non-Performing Loans to Capital | 5.01% | |||
| Non-Performing Loans to Loans | 1.30% | |||
| Balance Sheet |
Smart Choice Credit Union
Cleveland, TN |
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| Total Assets | 3.52M | |||
| Total Deposits | 3.14M | |||
| Capital and Reserves |
Smart Choice Credit Union
Cleveland, TN |
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| Capital | 371.00K | |||
| Leverage Ratio | 10.55 | |||
| Loan Loss Reserves to Loans | 1.82% | |||
| Liquidity |
Smart Choice Credit Union
Cleveland, TN |
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| Hot Money Ratio | 0.00% | |||
| Liquidity Ratio | 53.58% | |||
| Profitability |
Smart Choice Credit Union
Cleveland, TN |
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| 5-Year Return on Average Assets | 0.01% | |||
| Net Income | 14.00K | |||
| Net Interest Spread | 7.63% | |||
| Operating Profit to Average Assets | 0.52% | |||
| Overhead Efficiency Ratio | 91.25% | |||
| Return on Assets | 0.52% | |||
| Return on Equity | 5.10% | |||