Civic Intelligence

Smart Choice Credit Union

EIN 57-1135349 • 501(c)14 • Cleveland, TN

Profile

provide credit union services to community development population

1075 Blythe Avenue SECleveland, TN 37311
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

9th percentile

0.00x

Higher debt load relative to assets than 9% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

38th percentile

0.04x

Higher debt load relative to revenue than 38% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

57th percentile

2.6%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

61st percentile

-5.9%

Faster asset growth than 61% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

5.1%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets9th percentile

Assets

Down

$3,451,897

Down $217,240 (-5.9%) from 2023

Liabilities

Down

$10,066

Down $12,854 (-56%) from 2023

Net Assets

Down

$3,441,831

Down $204,386 (-5.6%) from 2023

Operations
Liabilities / Revenue38th percentileNet Margin57th percentile

Revenue

Up

$226,278

Up $11,077 (+5.1%) from 2023

Expenses

Up

$220,355

Up $19,541 (+9.7%) from 2023

Net Income

Down

$5,923

Down $8,464 (-59%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth61st percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $2,203,716Liabilities 2010: $316,732Net Assets 2010: $1,886,9842010Assets 2011: $2,076,060Liabilities 2011: $179,742Net Assets 2011: $1,896,3182011Assets 2012: $2,102,403Liabilities 2012: $203,482Net Assets 2012: $1,898,9212012Assets 2013: $1,997,404Liabilities 2013: $8,198Net Assets 2013: $1,989,2062013Assets 2014: $2,052,005Liabilities 2014: $35,123Net Assets 2014: $2,016,8822014Assets 2015: $2,597,853Liabilities 2015: $21,068Net Assets 2015: $2,576,7852015Assets 2016: $2,960,308Liabilities 2016: $12,407Net Assets 2016: $2,947,9012016Assets 2017: $3,411,878Liabilities 2017: $11,744Net Assets 2017: $3,400,1342017Assets 2018: $3,345,960Liabilities 2018: $13,520Net Assets 2018: $3,332,4402018Assets 2019: $3,530,459Liabilities 2019: $7,168Net Assets 2019: $3,523,2912019Assets 2021: $3,959,587Liabilities 2021: $17,213Net Assets 2021: $3,942,3742021Assets 2022: $3,678,260Liabilities 2022: $15,382Net Assets 2022: $3,662,8782022Assets 2023: $3,669,137Liabilities 2023: $22,920Net Assets 2023: $3,646,2172023Assets 2024: $3,451,897Liabilities 2024: $10,066Net Assets 2024: $3,441,8312024

Highlighted filing

2024

Assets$3,451,897
Liabilities$10,066
Net Assets$3,441,831
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KExpenses 2010: $216,8112010Expenses 2011: $163,4182011Expenses 2012: $158,3562012Revenue 2013: $166,640Expenses 2013: $163,193Net Income 2013: $3,4472013Revenue 2014: $198,917Expenses 2014: $171,241Net Income 2014: $27,6762014Revenue 2015: $193,459Expenses 2015: $164,774Net Income 2015: $28,6852015Revenue 2016: $198,724Expenses 2016: $184,238Net Income 2016: $14,4862016Revenue 2017: $218,654Expenses 2017: $187,824Net Income 2017: $30,8302017Revenue 2018: $195,799Expenses 2018: $174,502Net Income 2018: $21,2972018Revenue 2019: $191,510Expenses 2019: $179,537Net Income 2019: $11,9732019Revenue 2021: $174,284Expenses 2021: $165,407Net Income 2021: $8,8772021Revenue 2022: $162,354Expenses 2022: $191,170Net Income 2022: -$28,8162022Revenue 2023: $215,201Expenses 2023: $200,814Net Income 2023: $14,3872023Revenue 2024: $226,278Expenses 2024: $220,355Net Income 2024: $5,9232024

Highlighted filing

2024

Revenue$226,278
Expenses$220,355
Net Income$5,923
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,451,897
Liabilities
$10,066
Net assets
$3,441,831
Revenue
$226,278
Expenses
$220,355
Net income
$5,923
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.45$0.01$3.44$0.23$0.22$0.01
2023Detailed filing. Detailed filing data is available for this year.$3.67$0.02$3.65$0.22$0.20$0.01
2022Detailed filing. Detailed filing data is available for this year.$3.68$0.02$3.66$0.16$0.19$0.03
2021Detailed filing. Detailed filing data is available for this year.$3.96$0.02$3.94$0.17$0.17$0.01
2019Detailed filing. Detailed filing data is available for this year.$3.53$0.01$3.52$0.19$0.18$0.01
2018Detailed filing. Detailed filing data is available for this year.$3.35$0.01$3.33$0.20$0.17$0.02
2017Detailed filing. Detailed filing data is available for this year.$3.41$0.01$3.40$0.22$0.19$0.03
2016Detailed filing. Detailed filing data is available for this year.$2.96$0.01$2.95$0.20$0.18$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.60$0.02$2.58$0.19$0.16$0.03
2014Detailed filing. Detailed filing data is available for this year.$2.05$0.04$2.02$0.20$0.17$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.00$0.01$1.99$0.17$0.16$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.10$0.20$1.90$0.16
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.08$0.18$1.90$0.16
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.20$0.32$1.89$0.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 28, 2025
Return Version
2024v5.1
Gross Receipts
$226,278
Mission and Program Overview

Mission

provide credit union services to community development population

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,646,217$3,441,831▼ $204,386
Accounts Receivable$1,328,347$1,490,605▲ $162,258
Savings and Temporary Cash Investments$1,400,301$1,237,353▼ $162,948
Cash and Non-Interest-Bearing Accounts$924,405$711,921▼ $212,484
Prepaid Expenses and Deferred Charges$16,084$12,018▼ $4,066
Total Assets$3,669,137$3,451,897▼ $217,240
Liabilities
Accounts Payable and Accrued Expenses$22,920$10,066▼ $12,854
Total Liabilities$22,920$10,066▼ $12,854
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,646,217$3,441,831▼ $204,386
Total Liabilities and Net Assets / Fund Balance$3,669,137$3,451,897▼ $217,240
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Denis Collinspresident
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$129,433
Investment Income
$73,752
Other Revenue
$23,093
Change in Net Assets
$5,923
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$146,315
Other Expenses$74,040
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$131,415--$131,415
Office Expenses$34,512--$34,512
Other Employee Benefits$14,900--$14,900
Other Expenses$5,461--$5,461
Fees for Services Accounting$4,270--$4,270
Occupancy$2,805--$2,805
Conferences and Meetings$1,172--$1,172
All Other Expenses$881--$881
Total Functional Expenses$220,355$0$0$220,355
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Federal income taxes-
taxes payable-
accrued expenses-
deferred revenue-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section 11, Line 1

“Reviewed draft copy”

Filing and Contact Details

Filer

Filer Name
Smart Choice Credit Union
EIN
57-1135349
Phone
4235591181
Address
1075 Blythe Avenue SE, Cleveland, TN 37311

Signing Officer

Name
Denis Collins
Title
Executive Director
Phone
4235591181
Signed
2025-04-28
Discuss with paid preparer
No

Organization Details

Principal Officer
Denis Collins
Formed
2003
Legal Domicile
Tn
Voting Board Members
1,585
Independent Board Members
1,585
Employees
2

Preparer

Firm
RL George CPA
Address
PO Box3955, Cleveland, TN 37320
Preparer
Robert L George
Phone
4237160643
Raw XML Appendix286 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt022920
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt010066
IRS990/AccountsReceivableGrp/BOYAmt01328347
IRS990/AccountsReceivableGrp/EOYAmt01490605
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0provide credit union services to community development population
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0881
IRS990/AllOtherExpensesGrp/TotalAmt0881
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Smart Choice Credit Union
IRS990/BooksInCareOfDetail/PhoneNum04235591181
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01075 Blythe Ave SE
IRS990/BooksInCareOfDetail/USAddress/CityNm0Cleveland
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd037311
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0924405
IRS990/CashNonInterestBearingGrp/EOYAmt0711921
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0131415
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0131415
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt01172
IRS990/ConferencesMeetingsGrp/TotalAmt01172
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt073752
IRS990/CYOtherExpensesAmt074040
IRS990/CYOtherRevenueAmt023093
IRS990/CYProgramServiceRevenueAmt0129433
IRS990/CYRevenuesLessExpensesAmt05923
IRS990/CYSalariesCompEmpBnftPaidAmt0146315
IRS990/CYTotalExpensesAmt0220355
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0226278
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0credit uniom services
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0220355
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt04270
IRS990/FeesForServicesAccountingGrp/TotalAmt04270
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8886TFiledInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt0040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/PersonNm0Denis Collins
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/TitleTxt0president
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr02003
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt01585
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0226278
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt01585
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt073752
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0TN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0provide credit union services to community development population
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03646217
IRS990/NetAssetsOrFundBalancesEOYAmt03441831
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/NondeductibleContriDisclInd0false
IRS990/OccupancyGrp/ProgramServicesAmt02805
IRS990/OccupancyGrp/TotalAmt02805
IRS990/OfficeExpensesGrp/ProgramServicesAmt034512
IRS990/OfficeExpensesGrp/TotalAmt034512
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt014900
IRS990/OtherEmployeeBenefitsGrp/TotalAmt014900
IRS990/OtherExpensesGrp/Desc0association dues
IRS990/OtherExpensesGrp/Desc1primary share dividends and expense
IRS990/OtherExpensesGrp/Desc2provision for loan losses
IRS990/OtherExpensesGrp/Desc3educational promotional expenses
IRS990/OtherExpensesGrp/ProgramServicesAmt0700
IRS990/OtherExpensesGrp/ProgramServicesAmt117086
IRS990/OtherExpensesGrp/ProgramServicesAmt27153
IRS990/OtherExpensesGrp/ProgramServicesAmt35461
IRS990/OtherExpensesGrp/TotalAmt0700
IRS990/OtherExpensesGrp/TotalAmt117086
IRS990/OtherExpensesGrp/TotalAmt27153
IRS990/OtherExpensesGrp/TotalAmt35461
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/BusinessCd1522291
IRS990/OtherRevenueMiscGrp/Desc0miscellaneous
IRS990/OtherRevenueMiscGrp/Desc1fees
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt05337
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt117756
IRS990/OtherRevenueTotalAmt023093
IRS990/OtherSalariesAndWagesGrp/TotalAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016084
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt012018
IRS990/PrincipalOfficerNm0Denis Collins
IRS990/PriorPeriodAdjustmentsAmt0-210309
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0loan income
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0129433
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt056337
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt069280
IRS990/PYOtherRevenueAmt018970
IRS990/PYProgramServiceRevenueAmt0139894
IRS990/PYRevenuesLessExpensesAmt014387
IRS990/PYSalariesCompEmpBnftPaidAmt0131534
IRS990/PYTotalExpensesAmt0200814
IRS990/PYTotalRevenueAmt0215201
IRS990/QuidProQuoContributionsInd0false
IRS990/QuidProQuoContriDisclInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt05923
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0226278
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03646217
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03441831
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01400301
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01237353
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1taxes payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2accrued expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3deferred revenue
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Reviewed draft copy
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section 11, Line 1
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0TN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03669137
IRS990/TotalAssetsEOYAmt03451897
IRS990/TotalAssetsGrp/BOYAmt03669137
IRS990/TotalAssetsGrp/EOYAmt03451897
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0220355
IRS990/TotalFunctionalExpensesGrp/TotalAmt0220355
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022920
IRS990/TotalLiabilitiesEOYAmt010066
IRS990/TotalLiabilitiesGrp/BOYAmt022920
IRS990/TotalLiabilitiesGrp/EOYAmt010066
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03646217
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03441831
IRS990/TotalProgramServiceExpensesAmt0220355
IRS990/TotalProgramServiceRevenueAmt0129433
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0226278
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03669137
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03451897
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01075 Blythe Avenue
IRS990/USAddress/CityNm0Cleveland
IRS990/USAddress/StateAbbreviationCd0TN
IRS990/USAddress/ZIPCd037311
IRS990/VotingMembersGoverningBodyCnt01585
IRS990/VotingMembersIndependentCnt01585
IRS990/WhistleblowerPolicyInd0true
IRS990/WrittenPolicyOrProcedureInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Denis Collins
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Executive Director
ReturnHeader/BusinessOfficerGrp/PhoneNum04235591181
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-28
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Smart Choice Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SMAR
ReturnHeader/Filer/EIN0571135349
ReturnHeader/Filer/PhoneNum04235591181
ReturnHeader/Filer/USAddress/AddressLine1Txt01075 Blythe Avenue SE
ReturnHeader/Filer/USAddress/CityNm0Cleveland
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037311
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0621476787
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0RL George CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box3955
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Cleveland
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037320
ReturnHeader/PreparerPersonGrp/PhoneNum04237160643
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-28
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert L George
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-04-28T08:31:45-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.