Original filing (PDF)20250908113128NAL0032617984001

Smart Financial Credit Union

Name: Smart Financial Credit Union — Smart Financial, Form 5500 (2024)
Creator: Smart Financial Credit Union
License: https://www.usa.gov/government-works

Form 5500

FILING_RECEIVED

Smart Financial Credit Union 401(k) Plan

401(k) retirement plan · Smart Financial Credit Union's Smart Financial Credit Union 401(k) Plan held $21.4M in plan assets for 179 participants in 2024, with The Standard (StanCorp) as recordkeeper.

Active participants

179

Accounts w/ balance

254

Plan assets (EOY)

$21.4M

Net assets (EOY)

$21.4M

How this plan invests

This plan

1 pooled trust

Schedule D

39 securities

funds · stocks · CUSIPs

Holdings are itemized directly on this plan's Schedule of Assets, below.

Plan health score

Above-average plan

Directional indicator from public Form 5500 data — compliance & integrity, total plan cost, participant health and vendor stack, benchmarked against same-size peers. Not a fiduciary tool.

Compliance & integrity

100

Total plan cost

Plan health

Vendor & structure

100

Decision-maker contacts

One unlock reveals every key decision-maker — plan signer, CFO, HR & Benefits — with verified email + LinkedIn for SMART FINANCIAL CREDIT UNION.

Plan sponsor

Name

SMART FINANCIAL CREDIT UNION

EIN

74-0695355all filings

Address

6051 NORTH COURSE DR. · STE. 100 · HOUSTON, TX · 77072

Phone

(713) 407-1880

Industry

Finance & Insurance

Plan administrator

Same as plan sponsor.

Plan characteristics

Plan number

003

Plan year

2024

Plan year begin

2024-01-01

Tax period

2024-12-31

Filed

2025-09-08

Pension benefit codes

2E · Profit-sharing

2F · ERISA section 404(c)

2G · Total participant-directed accounts

2J · 401(k) feature

2K · 401(m) arrangement

2S · Automatic enrollment

2T · Default investment account (QDIA)

3D · Pre-approved plan (master / prototype / VS)

Service providers (Schedule C)

1 rows

Recordkeeper

Name	EIN	Location	Relation	Direct comp	Indirect comp
STANCORP FINANCIAL GROUP	93-1253576	—	NONE	$51K	—

Investments

39 direct securities · 1 pooled fund· $21.4M(100% of reported assets)

Rows tagged as a trust or pooled fund hold many underlying securities. Click one to drill into its own Schedule of Assets — where the individual funds, shares, and CUSIPs live.

Mutual Funds

$10.6M

27 holdings

Other securities

$4.0M

8 holdings

Common Collective Trusts

$3.8M

3 holdings

Stable Value

$3.0M

1 holding

Common Collective Trust

$5K

1 holding

					% of plan
Fidelity 500 INDEX FUND	Common Collective Trusts	—	—	$3.2M	15.1%
Putnam STABLE VALUE FD	Stable Value	—	—	$3.0M	14.1%
Harbor Capital HARBOR CAPITAL APPRECIATION INSTL	Other securities	—	—	$1.6M	7.5%
Dodge & Cox DODGE & COX INCOME	Mutual Funds	—	—	$1.1M	5.4%
MFS INTERNATIONAL DIVERSIFICATION FUND CLASS R6	Mutual Funds	—	—	$1.1M	5.2%
MFS VALUE R6	Mutual Funds	—	—	$1.0M	4.7%
American Funds AMERICAN FUNDS 2045 TRGT DATE RETIRE R6	Mutual Funds	—	—	$779K	3.6%
Vanguard WELLINGTONT ADMIRALT	Mutual Funds	—	—	$747K	3.5%
American Funds AMERICAN FUNDS 2050 TRGT DATE RETIRE R6	Mutual Funds	—	—	$722K	3.4%
Vanguard EXPLORER ADM	Mutual Funds	—	—	$706K	3.3%
T. Rowe Price T.ROWE PRICE MID-CAP GROWTH I	Other securities	—	—	$685K	3.2%
Columbia MID CAP INDEX R5	Other securities	—	—	$637K	3.0%
American Funds AMERICAN FUNDS 2055 TRGT DATE RETIRE R6	Mutual Funds	—	—	$621K	2.9%
American Funds AMERICAN FUNDS 2025 TRGT DATE RETIRE R6	Mutual Funds	—	—	$526K	2.5%
American Funds AMERICAN FUNDS 2040 TRGT DATE RETIRE R6	Mutual Funds	—	—	$481K	2.2%
Vanguard INTERM-TM TREAS IDX ADMIRAL 421 * Participants Participant Loans Rates from 3.25% to 8.5%	Common Collective Trusts	—	—	$451K	2.1%
T. Rowe Price T ROWE PRICE HEALTH SCIENCES FUND INC	Mutual Funds	—	—	$391K	1.8%
Jhancock DISCIPLINED VALUE MID CAP R6	Other securities	—	—	$388K	1.8%
American Funds AMERICAN FUNDS 2060 TRGT DATE RETIRE R6	Mutual Funds	—	—	$353K	1.7%
American Funds AMERICAN FUNDS 2035 TRGT DATE RETIRE R6	Mutual Funds	—	—	$348K	1.6%
Vanguard SMALL CAP INDEX ADM	Mutual Funds	—	—	$342K	1.6%
Putnam LARGE CAP VALUE TR CL IA	Mutual Funds	—	—	$298K	1.4%
MFS MID CAP VALUE R6	Mutual Funds	—	—	$251K	1.2%
Cohen & Steets COHEN & STEERS INSTL REALTY SHARES	Other securities	—	—	$236K	1.1%
JPMorgan EQUITY INCOME R6	Other securities	—	—	$214K	1.0%
New York Life NYLI WINSLOW LARGECAP GRO R6	Other securities	—	—	$176K	0.8%
Vanguard INFLATION-PROTECTED SECS ADM	Mutual Funds	—	—	$157K	0.7%
Fidelity INTER INDEX FUND	Common Collective Trusts	—	—	$134K	0.6%
Vanguard SMALL CAP VALUE INDEX ADMIRAL	Mutual Funds	—	—	$133K	0.6%
Pimco INCOME INSTL	Mutual Funds	—	—	$110K	0.5%
Fidelity U.S. BOND INDEX	Mutual Funds	—	—	$107K	0.5%
American Funds AMERICAN FUNDS 2020 TRGT DATE RETIRE R6	Mutual Funds	—	—	$102K	0.5%
American Funds AMERICAN FUNDS 2030 TRGT DATE RETIRE R6	Mutual Funds	—	—	$86K	0.4%
Invesco DISCOVERY FUND	Mutual Funds	—	—	$36K	0.2%
Fidelity MID CAP INDEX FD	Mutual Funds	—	—	$26K	0.1%
Fidelity ADV INTL CAP APP I	Mutual Funds	—	—	$16K	<0.1%
Fidelity BALANCED	Mutual Funds	—	—	$9K	<0.1%
Principal MIDCAP R6	Other securities	—	—	$7K	<0.1%
WILMINGTON TRUST CIT LARGE CAP GROW WILMINGTON TRUST · EIN 82-4435820 / PN 375	Common Collective Trust	—	—	$5K	<0.1%
Fidelity SMALL CAP INDEX	Mutual Funds	—	—	$2K	<0.1%