Smartchoice Credit Union is a federally insured state-chartered credit union headquartered in Spring Valley, Illinois, in business for about 69 years. At the end of Q2 2026 it reported $787K in total assets and $548K in member shares and deposits, with 1 office.
Smartchoice Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 101st. Capital cushion contributes the most (100/100, 30.27%); earnings contributes the least (43/100, 0.56%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 14 points (60 → 74), mostly because the loan quality component improved by 64 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 63 |
| Q4 2024 | 54 |
| Q1 2025 | 65 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 57 |
| Q1 2026 | 80 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 27.06% |
| Q3 2024 | 27.54% |
| Q4 2024 | 27.72% |
| Q1 2025 | 29.49% |
| Q2 2025 | 29.14% |
| Q3 2025 | 29.81% |
| Q4 2025 | 29.38% |
| Q1 2026 | 30.97% |
| Q2 2026 | 30.27% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 14.67% |
| Q3 2024 | 9.58% |
| Q4 2024 | 10.04% |
| Q1 2025 | 5.48% |
| Q2 2025 | 9.48% |
| Q3 2025 | 5.18% |
| Q4 2025 | 4.04% |
| Q1 2026 | 0.36% |
| Q2 2026 | 1.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.13% |
| Q3 2024 | 2.04% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.99% |
| Q2 2025 | 1.56% |
| Q3 2025 | 1.28% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $787K | 30.27% | 1.07% | 0.56% | 93.8% |
| Q1 2026 | 80 | $767K | 30.97% | 0.36% | 0.75% | 104.9% |
| Q4 2025 | 57 | $803K | 29.38% | 4.04% | 0.57% | 94.0% |
| Q3 2025 | 60 | $802K | 29.81% | 5.18% | 1.28% | 105.7% |
| Q2 2025 | 60 | $814K | 29.14% | 9.48% | 1.56% | 110.7% |
| Q1 2025 | 65 | $796K | 29.49% | 5.48% | 1.99% | 114.1% |
| Q4 2024 | 54 | $833K | 27.72% | 10.04% | 0.93% | 122.3% |
| Q3 2024 | 63 | $858K | 27.54% | 9.58% | 2.04% | 120.9% |
| Q2 2024 | 60 | $858K | 27.06% | 14.67% | 2.13% | 126.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mea Credit UnionCredit union Monticello, IL | 79 out of 100, Strong | $806K | 9.1% | 0.00% | vs |
| C T a F C Federal Credit UnionCredit union Chicago, IL | 80 out of 100, Strong | $756K | 16.5% | 0.00% | vs |
| Reavis - Stickney Credit UnionCredit union Burbank, IL | 55 out of 100, Moderate | $850K | 14.2% | 4.57% | vs |
| St. Gregory Parish Credit UnionCredit union Chicago, IL | 80 out of 100, Strong | $683K | 23.1% | 0.00% | vs |
| Fellowship Baptist Church Credit UnionCredit union Chicago, IL | 89 out of 100, Very strong | $1.0M | 26.4% | 1.26% | vs |
| St. Mark Credit UnionCredit union Chicago, IL | 71 out of 100, Strong | $472K | 23.2% | 1.11% | vs |
Deposit insurance
Is my money safe at Smartchoice Credit Union?
Yes. Smartchoice Credit Union is a federally insured credit union (NCUA charter #64731). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 30.27%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Smartchoice Credit Union lists 1 office in 1 city. Most locations:
- Spring Valley, IL (1)
Identity & history
Profile
- Legal name
- Smartchoice Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64731
- RSSD ID
- 852692
- Primary regulator
- State + NCUA
- Established
- 1957
- Headquarters
- 1 Les Buzz Way, Spring Valley, IL 61362
- Employees
- 1
Quick answers
Smartchoice Credit Union: common questions
Is Smartchoice Credit Union NCUA insured?
Yes. Smartchoice Credit Union is a federally insured credit union (NCUA charter #64731). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Smartchoice Credit Union's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Smartchoice Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Spring Valley
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Ottawa Hiway Credit UnionCredit union Ottawa, IL | 100 out of 100, Very strong | $16.3M | 16.7% | 0.00% | vs |
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| Financial Plus Credit UnionCredit union Ottawa, IL | 84 out of 100, Strong | $607.4M | 13.2% | 0.45% | vs |
| Streator Onized Credit UnionCredit union Streator, IL | 84 out of 100, Strong | $423.3M | 15.6% | 0.47% | vs |
| North Central BankBank Hennepin, IL | 82 out of 100, Strong | $165.9M | 12.3% | 0.26% | vs |