SMARTCHOICE
Charter #64731 · Spring Valley, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 246 sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.54% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 54th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SMARTCHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 766,697 | 14th pct | 5th pct |
| Members | 246 | 19th pct | 10th pct |
| Net worth ratio | 30.97% | 87th pct | 72th pct |
| Return on average assets | 0.73% | 62th pct | 52th pct |
| Net interest margin | 5.07% | 79th pct | 54th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 104.87% | 95th pct | 77th pct |
| Delinquency 60+ days | 0.36% | 38th pct | 39th pct |
| Net charge-off ratio | -0.54% | 6th pct | 3th pct |
| Loan growth YoY | -6.51% | 42th pct | 31th pct |
| Share growth YoY | -5.78% | 14th pct | 15th pct |
| Efficiency ratio | 85.96% | 50th pct | 51th pct |
structural peer set hash: 1ecc502200f23089a172fcfde73fb658… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.