GREENSBORO
Charter #63445 | NC
<100M
(2596 CUs)
Micro
($0-$500M)
32 <100M in NC
GREENSBORO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 15.05% above tier (higher cost structure)
- - Delinquency rate 2.98% above tier average
- - Member decline: -8.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 7.1% in tier
- - Member Growth Rate: Bottom 8.4% in tier
- - Deposit Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,459
-8.2% YoY-1.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
39th in tier |
| Assets |
$16.6M
-5.5% YoY-3.9% QoQ
|
$-13.3M |
$29.9M
+1.1% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
44th in tier |
| Loans |
$8.9M
-2.5% YoY+0.6% QoQ
|
$-6.9M |
$15.8M
-2.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
47th in tier |
| Deposits |
$11.1M
-8.1% YoY-5.6% QoQ
|
$-14.3M |
$25.5M
+0.4% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
39th in tier |
| ROA |
0.0%
-85.2% YoY+20.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 17.6% in tier |
| NIM |
4.3%
+0.5% YoY+3.5% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
96.4%
+8.6% YoY-0.3% QoQ
|
+15.0% |
81.4%
-2.4% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
Top 14.5% in tier |
| Delinquency Rate |
4.5%
+60.2% YoY+52.3% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 7.1% in tier |
| Loan To Share |
79.6%
+6.1% YoY+6.6% QoQ
|
+18.3% |
61.2%
-3.0% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
Top 23.2% in tier |
| AMR |
$13,693
+2.8% YoY-1.8% QoQ
|
$-934 |
$14,627
-2.7% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
125
Net Worth Ratio
risk
Value:
32.28%
Peer Avg: 16.43%
#125 of 2596
Top 4.8% in <100M tier
597
Loan-to-Share Ratio
balance_sheet
Value:
79.55%
Peer Avg: 61.23%
#597 of 2596
Top 23.0% in <100M tier
Top Weaknesses (7 metrics)
2412
Total Delinquency Rate (60+ days)
risk
Value:
4.49%
Peer Avg: 1.51%
#2412 of 2596
Bottom 7.1% in <100M tier
2380
Member Growth Rate
growth
Value:
-8.24%
Peer Avg: 14.92%
#2380 of 2596
Bottom 8.4% in <100M tier
2343
Deposit Growth Rate
growth
Value:
-8.11%
Peer Avg: 16.80%
#2343 of 2596
Bottom 9.8% in <100M tier
2263
Asset Growth Rate
growth
Value:
-5.53%
Peer Avg: 1.82%
#2263 of 2596
Bottom 12.9% in <100M tier
2259
First Mortgage Concentration (%)
balance_sheet
Value:
40.16%
Peer Avg: 14.49%
#2259 of 2596
Bottom 13.0% in <100M tier
2221
Efficiency Ratio
profitability
Value:
96.44%
Peer Avg: 81.39%
#2221 of 2596
Bottom 14.5% in <100M tier
2139
Return on Assets (ROA)
profitability
Value:
0.04%
Peer Avg: 0.68%
#2139 of 2596
Bottom 17.6% in <100M tier