Smart Choice
Smart Choice is a credit union based in Cleveland, Tennessee, established in 2003, with $4 million in total assets serving 890 members. By Trust Grade it ranks 126th of 126 credit unions we track in Tennessee. Its net worth ratio of 9.1% trails most similarly sized credit unions (10th percentile), versus a Tennessee median of 13.9%. It posted a loss over the most recent period (-1.61% return on assets), a point to watch. No consumer complaints against Smart Choice appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Smart Choice compares to Tennessee peers
How we graded Smart Choice
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.1% capital ratio)
- Unprofitable over the period (ROA -1.61%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Smart Choice over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Smart Choice insured?
Yes. Smart Choice is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Smart Choice: frequently asked questions
Is Smart Choice a good credit union?
Smart Choice earns a Bankzia Trust Grade of D (64/100, "Fair"), based on a financial-strength score of 64/100 (it has no CFPB complaints on record). Well-capitalized (9.1% capital ratio); Unprofitable over the period (ROA -1.61%).
Is Smart Choice NCUA-insured?
Yes. Smart Choice is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Smart Choice?
Smart Choice holds $4 million in total assets, ranking 126th of 126 credit unions we track in Tennessee. It serves 890 members.
Does Smart Choice have CFPB complaints?
No CFPB complaints against Smart Choice appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
