GREEN COUNTRY

Charter #24613 | OK

100M-500M (1077 CUs) Micro
17 100M-500M in OK

GREEN COUNTRY has 3 strengths but faces 16 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 26.3% in tier
  • + Fee Income Per Member: Top 1.9% in tier
  • + Share Certificate Concentration (%): Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Accelerating Exit Risk: Bottom 6.1% in tier
  • - Deposit Outflow: Bottom 7.3% in tier
  • - Shrinking Wallet Share: Bottom 7.5% in tier
  • - Efficiency Drag: Bottom 10.9% in tier
  • - Institutional Decline: Bottom 21.5% in tier
  • - Membership Headwinds: Bottom 22.1% in tier
  • - Stagnation Risk: Bottom 23.5% in tier
  • - Indirect Auto Dependency: Bottom 28.1% in tier
  • - ROA 0.21% below tier average
  • - Efficiency ratio 6.19% above tier (higher cost structure)
  • - Delinquency rate 5.23% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.1% in tier
  • - Deposit Growth Rate: Bottom 3.7% in tier
  • - Asset Growth Rate: Bottom 5.1% in tier
  • - AMR Growth Rate: Bottom 5.4% in tier
  • - Loan Growth Rate: Bottom 5.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 9,495
-1.7% YoY-1.0% QoQ
 -6.1K 15,628
-3.4% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $130.9M
-3.8% YoY-3.9% QoQ
 $-100.4M $231.3M
-0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 Bottom 20.8% in tier
Loans $84.7M
-8.0% YoY-0.7% QoQ
 $-63.1M $147.8M
-1.4% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 Bottom 24.7% in tier
Deposits $121.7M
-4.6% YoY-4.4% QoQ
 $-78.6M $200.3M
-0.0% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 27th in tier
ROA 0.6%
+6.4% YoY+72.0% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 2.9%
+12.4% YoY+4.4% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 14.4% in tier
Efficiency Ratio 83.5%
-0.4% YoY-1.3% QoQ
 +6.2% 77.3%
-3.0% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 72nd in tier
Delinquency Rate 6.1%
-11.3% YoY-3.4% QoQ
 +5.2 0.9%
+7.6% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Top 0.1% in tier
Loan To Share 69.6%
-3.7% YoY+3.9% QoQ
 -3.1% 72.7%
-1.5% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $21,736
-4.4% YoY-1.9% QoQ
 $-3K $24,363
+2.9% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 46th in tier
CD Concentration 8.4%
-3.8% YoY-2.9% QoQ
 -16.0% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 25.6%
-19.9% YoY-5.0% QoQ
 +11.6% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#494 of 627 • Top 26.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.58%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Concerns (8)

Accelerating Exit Risk

decline
#17 of 58 • Bottom 6.1% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
AMR Growth (YoY): -4.42%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
58 of 1077 Community CUs have this signature | 73 nationally
↓ Shrinking -89 CUs YoY | Rank improving

Deposit Outflow

decline
#44 of 114 • Bottom 7.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.56%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $130.92M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#76 of 244 • Bottom 7.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.42%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Efficiency Drag

risk
#193 of 521 • Bottom 10.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.47%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Institutional Decline

decline
#170 of 256 • Bottom 21.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $130.92M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -8.05%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#364 of 550 • Bottom 22.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#387 of 550 • Bottom 23.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.58%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.7K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 8.42%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#453 of 525 • Bottom 28.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -3.82%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 25.60%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.68%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

22
Fee Income Per Member
profitability
Value: $367.80
Peer Avg: $174.31
#22 of 1077 Top 1.9% in 100M-500M tier
92
Share Certificate Concentration (%)
balance_sheet
Value: 8.42%
Peer Avg: 23.61%
#92 of 1077 Top 8.4% in 100M-500M tier

Top Weaknesses (10 metrics)

1077
Total Delinquency Rate (60+ days)
risk
Value: 6.09%
Peer Avg: 0.86%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1038
Deposit Growth Rate
growth
Value: -4.56%
Peer Avg: 4.69%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
1023
Asset Growth Rate
growth
Value: -3.82%
Peer Avg: 4.70%
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1020
AMR Growth Rate
growth
Value: -4.42%
Peer Avg: 3.64%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
1017
Loan Growth Rate
growth
Value: -8.05%
Peer Avg: 3.45%
#1017 of 1077 Bottom 5.7% in 100M-500M tier
962
Net Worth Ratio
risk
Value: 8.85%
Peer Avg: 12.15%
#962 of 1077 Bottom 10.8% in 100M-500M tier
922
Net Interest Margin (NIM)
profitability
Value: 2.86%
Peer Avg: 3.58%
#922 of 1077 Bottom 14.5% in 100M-500M tier
853
Total Assets
balance_sheet
Value: $130.92M
Peer Avg: $231.30M
#853 of 1077 Bottom 20.9% in 100M-500M tier
852
Indirect Auto Concentration (%)
balance_sheet
Value: 25.60%
Peer Avg: 13.34%
#852 of 1077 Bottom 21.0% in 100M-500M tier
811
Total Loans
balance_sheet
Value: $84.67M
Peer Avg: $147.80M
#811 of 1077 Bottom 24.8% in 100M-500M tier