SMART CHOICE
Charter #68513 · CLEVELAND, TN · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.06% sits at the 13th percentile of structural peers — worth a closer look.
- Return on average assets of -1.62% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.67% sits at the 84th percentile of structural peers — worth a closer look.
- Efficiency ratio of 116.47% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 48th percentile but its structural peers at the 11th — a 36-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 | SMART CHOICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.71M | 48th pct | 11th pct |
| Members | 890 | 77th pct | 46th pct |
| Net worth ratio | 9.06% | 10th pct | 13th pct |
| Return on average assets | -1.62% | 12th pct | 11th pct |
| Net interest margin | 3.97% | 48th pct | 57th pct |
| Cost of funds | 0.55% | 52th pct | 38th pct |
| Loan-to-share | 44.28% | 34th pct | 34th pct |
| Delinquency 60+ days | 1.70% | 64th pct | 64th pct |
| Net charge-off ratio | 1.67% | 90th pct | 84th pct |
| Loan growth YoY | -0.56% | 71th pct | 85th pct |
| Share growth YoY | -0.98% | 41th pct | 31th pct |
| Efficiency ratio | 116.47% | 86th pct | 89th pct |
structural peer set hash: c001115dae8359754eb580148455b4f6… (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.