Charter 64731 · Spring Valley, IL
Smartchoice Credit Union
Smartchoice Credit Union is a state-chartered credit union in Spring Valley, Illinois, with $787 thousand in assets and 242 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 30.27%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $787 thousand
- -3.3% in a year
- Members
- 242
- -4.0% in a year
- Net worth ratio
- 30.27%
- Peer median 19.32%
- Loans 60+ days late
- 1.07%
- Peer median 0.66%
- Loans outstanding
- $514 thousand
- -19.0% in a year
- Shares and deposits
- $548 thousand
- -4.4% in a year
- Branches
- 1
- 1 employees
- Opened
- 1957
- Illinois charter
How Smartchoice Credit Union compares
NCUA groups credit unions by size; Smartchoice Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 30.27% is higher than that group's median of 19.32%, and its share of loans 60 or more days past due, 1.07%, is higher than the group median of 0.66%. Loans fell 19.0% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 171 of 188 credit unions headquartered in Illinois. See all Illinois credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $787 thousand | 242 | $514 thousand | 30.27% | 1.07% |
| Q1 2026 | $767 thousand | 246 | $554 thousand | 30.97% | 0.36% |
| Q4 2025 | $803 thousand | 247 | $532 thousand | 29.38% | 4.04% |
| Q3 2025 | $802 thousand | 248 | $593 thousand | 29.81% | 5.18% |
| Q2 2025 | $814 thousand | 252 | $635 thousand | 29.14% | 9.48% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 500 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 1 site for Smartchoice Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main office (main office)
1 Les Buzz Way Ste A, Spring Valley, IL 61362
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology