GREENSTATE

Charter #60269 | IA

10B+ (21 CUs) Titans (21 CUs)
1 10B+ in IA

GREENSTATE has 6 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.0% in tier
  • + Wallet Share Momentum: Top 0.0% in tier
  • + Emerging Performer: Top 30.0% in tier
  • + AMR Growth Rate: Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.0% in tier
  • - Stagnation Risk: Bottom 0.0% in tier
  • - Liquidity Strain: Bottom 6.2% in tier
  • - ROA 0.52% below tier average
  • - Efficiency ratio 11.04% above tier (higher cost structure)
  • - Delinquency rate 0.90% above tier average
  • - Member decline: -12.6% YoY
  • - Net Interest Margin (NIM): Bottom 4.8% in tier
  • - Member Growth Rate: Bottom 4.8% in tier
  • - Share Certificate Concentration (%): Bottom 4.8% in tier
  • - Total Deposits: Bottom 4.8% in tier
  • - Total Delinquency Rate (60+ days): Bottom 9.5% in tier
  • - Total Members: Bottom 9.5% in tier
  • - Total Assets: Bottom 9.5% in tier
  • - Total Loans: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Members 398,403
-12.6% YoY+1.6% QoQ
 -1.4M 1,822,416
+4.1% YoY
 24,664
+0.3% YoY
 33,089
+6.1% YoY
 Bottom 4.8% in tier
Assets $10.8B
+1.7% YoY+1.0% QoQ
 $-17.9B $28.7B
+4.2% YoY
 $515.3M
+7.1% YoY
 $547.7M
+7.8% YoY
 Bottom 4.8% in tier
Loans $9.4B
+3.5% YoY+1.2% QoQ
 $-11.7B $21.1B
+5.8% YoY
 $418.6M
+8.3% YoY
 $388.7M
+8.6% YoY
 Bottom 4.8% in tier
Deposits $8.5B
-1.0% YoY-0.2% QoQ
 $-15.9B $24.4B
+7.2% YoY
 $421.4M
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 0.2%
-13.5% YoY-18.3% QoQ
 -0.5% 0.8%
+17.7% YoY
 1.0%
+0.3% YoY
 0.7%
+273.4% YoY
 Bottom 4.8% in tier
NIM 2.1%
+25.9% YoY+2.8% QoQ
 -1.0% 3.1%
+10.6% YoY
 3.8%
+3.9% YoY
 3.7%
+5.0% YoY
 Bottom 0.0% in tier
Efficiency Ratio 75.3%
-6.5% YoY-0.6% QoQ
 +11.0% 64.3%
-4.3% YoY
 72.0%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 23.8% in tier
Delinquency Rate 2.1%
-0.3% YoY-0.2% QoQ
 +0.9 1.2%
+9.7% YoY
 1.2%
-5.8% YoY
 1.2%
-0.9% YoY
 Top 9.5% in tier
Loan To Share 110.5%
+4.6% YoY+1.4% QoQ
 +20.7% 89.8%
-0.3% YoY
 77.1%
-1.2% YoY
 68.0%
-1.7% YoY
 Top 4.8% in tier
AMR $44,888
+15.9% YoY-1.1% QoQ
 +$14K $31,184
+7.8% YoY
 $20,702
+4.3% YoY
 $19,418
+1.3% YoY
 Top 19.0% in tier
CD Concentration 47.5%
-2.9% YoY+1.1% QoQ
 +15.6% 31.9%
+2.0% YoY
 22.0%
+1.0% YoY
 19.6%
+6.2% YoY
 Top 4.8% in tier
Indirect Auto % 8.9%
-17.5% YoY-3.7% QoQ
 -5.4% 14.2%
-8.9% YoY
 9.3%
-2.2% YoY
 7.9%
-2.9% YoY
 38th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#1 of 14 • Top 0.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 15.89%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.5K
(Tier: $2.9K, National: $2.0K)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Wallet Share Momentum

growth
#1 of 14 • Top 0.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 15.89%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Emerging Performer

growth
#10 of 10 • Top 30.0% in tier

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

Why This Signature
Return on Assets: 0.24%
(Tier: 0.76%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -12.61%
(Tier: 3.59%, National: 9.37%)
but worse than tier avg
10 of 21 Titans CUs have this signature | 852 nationally
→ Stable (10→10 CUs)

Concerns (3)

Membership Headwinds

decline
#1 of 3 • Bottom 0.0% in tier

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

Why This Signature
Member Growth (YoY): -12.61%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs) | New qualifier

Stagnation Risk

risk
#1 of 3 • Bottom 0.0% 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: 0.24%
(Tier: 0.76%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -12.61%
(Tier: 3.59%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $44.9K
(Tier: $31.2K, National: $19.4K)
but better than tier avg
CD Concentration: 47.50%
(Tier: 31.91%, National: 19.60%)
worse than tier avg
3 of 21 Titans CUs have this signature | 648 nationally
→ Stable (3→3 CUs) | New qualifier

Liquidity Strain

risk
#3 of 11 • Bottom 6.2% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 110.54%
(Tier: 89.80%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.47%
(Tier: 6.37%, National: 36.38%)
worse than tier avg
11 of 21 Titans CUs have this signature | 484 nationally
→ Stable (11→11 CUs)

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 21 peers in tier

Top Strengths (5 metrics)

1
AMR Growth Rate
growth
Value: 15.89%
Peer Avg: 2.80%
#1 of 21 Top 0.0% in 10B+ tier
1
Loan-to-Share Ratio
balance_sheet
Value: 110.54%
Peer Avg: 89.80%
#1 of 21 Top 0.0% in 10B+ tier
3
Loan-to-Member Ratio (LMR)
engagement
Value: $23,568
Peer Avg: $14,676
#3 of 21 Top 9.5% in 10B+ tier
4
Fee Income Per Member
profitability
Value: $235.27
Peer Avg: $171.28
#4 of 21 Top 14.3% in 10B+ tier
4
Average Member Relationship (AMR)
engagement
Value: $44,888
Peer Avg: $31,184
#4 of 21 Top 14.3% in 10B+ tier

Top Weaknesses (12 metrics)

21
Net Interest Margin (NIM)
profitability
Value: 2.08%
Peer Avg: 3.11%
#21 of 21 Bottom 4.8% in 10B+ tier
21
Member Growth Rate
growth
Value: -12.61%
Peer Avg: 3.59%
#21 of 21 Bottom 4.8% in 10B+ tier
21
Share Certificate Concentration (%)
balance_sheet
Value: 47.50%
Peer Avg: 31.91%
#21 of 21 Bottom 4.8% in 10B+ tier
21
Total Deposits
balance_sheet
Value: $8.49B
Peer Avg: $24.43B
#21 of 21 Bottom 4.8% in 10B+ tier
20
Return on Assets (ROA)
profitability
Value: 0.24%
Peer Avg: 0.76%
#20 of 21 Bottom 9.5% in 10B+ tier
20
Total Delinquency Rate (60+ days)
risk
Value: 2.08%
Peer Avg: 1.18%
#20 of 21 Bottom 9.5% in 10B+ tier
20
Total Members
engagement
Value: 398,403
Peer Avg: 1,822,417
#20 of 21 Bottom 9.5% in 10B+ tier
20
Total Assets
balance_sheet
Value: $10.84B
Peer Avg: $28.72B
#20 of 21 Bottom 9.5% in 10B+ tier
20
Total Loans
balance_sheet
Value: $9.39B
Peer Avg: $21.09B
#20 of 21 Bottom 9.5% in 10B+ tier
19
Deposit Growth Rate
growth
Value: -1.05%
Peer Avg: 6.48%
#19 of 21 Bottom 14.3% in 10B+ tier