Credit Union Safety Analysis
Is Smartchoice Credit Union Safe? Spring Valley, Illinois
Based on its Q2 2026 NCUA 5300 call report, Smartchoice Credit Union has a net worth ratio of 30.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.07%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Smartchoice Credit Union's net worth ratio is 30.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 30.27%
- Delinquency ratio (60+ days) (Q2 2026): 1.07%
- Return on assets (Q2 2026): 0.40%
- Loan-to-share ratio (Q2 2026): 93.80%
Smartchoice Credit Union (NCUA charter 64731, established 1957) reported $787K in assets and 242 members for Q2 2026 from Spring Valley, Illinois. It ranks 168 of 185 credit unions in Illinois by total assets. Total assets fell 3.3% from $814K on June 30, 2025. It has 10 fewer members than on June 30, 2025 (-4.0%). Its net worth ratio was up 1.13 percentage points from 29.14% on June 30, 2025. Used vehicle loans are its largest loan category, $255K of $514K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 30.97% for Q1 2026; 29.14% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.36% for Q1 2026; 9.48% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.75% for Q1 2026; 1.18% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 104.87% for Q1 2026; 110.73% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $255K
- Other unsecured loans and lines of credit: $108K
- New vehicle loans: $93K
- Other secured non-real estate loans and lines of credit: $58K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $787K | 30.27% | 1.07% | 0.40% | 93.80% |
| March 31, 2026 | $767K | 30.97% | 0.36% | 0.75% | 104.87% |
| December 31, 2025 | $803K | 29.38% | 4.04% | -1.55% | 94.02% |
| September 30, 2025 | $802K | 29.81% | 5.18% | 0.65% | 105.69% |
| June 30, 2025 | $814K | 29.14% | 9.48% | 1.18% | 110.73% |
| March 31, 2025 | $796K | 29.49% | 5.48% | 1.99% | 114.07% |
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Free to use. It shows Smartchoice Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Smartchoice Credit Union profile
Regulator records: NCUA credit union profile (charter 64731) · FFIEC NIC profile (RSSD 852692)
Frequently asked questions
Is Smartchoice Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Smartchoice Credit Union's net worth ratio is 30.27%, above the 7% NCUA threshold for well capitalized.
Is Smartchoice Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Smartchoice Credit Union is a federally insured credit union (NCUA charter 64731): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Smartchoice Credit Union's key safety ratios?
For Q2 2026, Smartchoice Credit Union reports net worth 30.27%, delinquency 1.07%, ROA 0.40%, loan-to-share 93.80%.
What happens to my money if Smartchoice Credit Union fails?
For Q2 2026, Smartchoice Credit Union held $548K in shares and deposits for 242 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.