CU Explorer
Credit unions · Tennessee · Q2 2026

Smart Choice CU

Credit union in Cleveland, TN · NCUA charter #68513 · State charter (federally insured)

Legal name: Smart Choice

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

Total assets$3.4M
Total loans & leases$1.4M
Total shares & deposits$3.1M
Members824
Net worth$322K
Net worth / assets9.36%
Loans / assets40.53%
Return on assets (annualized)−1.69%
Loan growth (YoY)−6.32%
Member growth (YoY)−10.63%
Delinquency, all loans (60+ days)1.03%
CharterState charter (federally insured)
Asset band< $50M
NCUA peer group$2M–$10M
Sponsor typeGovernment (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.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online loan application. These are relationships and channels, not AI as such.

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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