Credit unions · Illinois · Q2 2026

Smartchoice CU

Credit union in Spring Valley, IL · NCUA charter #64731 · State charter (federally insured)

Legal name: Smartchoice

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets	$787K
Total loans & leases	$514K
Total shares & deposits	$548K
Members	242
Net worth	$238K
Net worth / assets	30.27%
Loans / assets	65.35%
Return on assets (annualized)	0.56%
Loan growth (YoY)	−19.03%
Member growth (YoY)	−3.97%
Delinquency, all loans (60+ days)	1.07%

Charter	State charter (federally insured)
Asset band	< $50M
NCUA peer group	under $2M
Sponsor type	Community (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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