BlastPoint's Credit Union Scorecard
GREENWOOD
Charter #66594 · RI
GREENWOOD has 6 strengths but faces 10 concerns
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How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 41.4% in tier
- + ROA 0.18% above tier average
- + Total Loans: Top 1.7% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Loan-to-Share Ratio: Top 6.0% in tier
- + First Mortgage Concentration (%): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.3% in tier
- - Liquidity Strain: Bottom 21.6% in tier
- - Membership Headwinds: Bottom 48.8% in tier
- - Credit Risk Growth: Bottom 73.4% in tier
- - Stagnation Risk: Bottom 76.1% in tier
- - Credit Quality Pressure: Bottom 77.7% in tier
- - Member decline: -2.8% YoY
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 5.1% in tier
- - Fee Income Per Member: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,087
-2.8% YoY-1.9% QoQ
|
+7.0K |
52,084
-1.6% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$907.8M
+4.9% YoY+1.5% QoQ
|
+$43.9M |
$863.9M
+0.5% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$808.8M
+6.1% YoY+1.7% QoQ
|
+$202.9M |
$605.8M
+1.4% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
Top 2.6% in tier |
| Deposits |
$811.5M
+4.7% YoY+1.6% QoQ
|
+$74.3M |
$737.3M
+0.1% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.9%
+64.7% YoY+17.7% QoQ
|
+0.2% |
0.7%
+39.1% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
2.9%
+20.6% YoY+1.5% QoQ
|
-0.5% |
3.4%
+8.7% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
64.3%
-9.9% YoY-4.5% QoQ
|
-10.0% |
74.3%
-3.6% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.6%
+15.4% YoY+65.3% QoQ
|
-0.3 |
0.9%
+3.8% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
38% |
| Loan To Share |
99.7%
+1.3% YoY+0.2% QoQ
|
+17.1% |
82.6%
+1.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
Top 6.8% in tier |
| AMR |
$27,422
+8.5% YoY+3.6% QoQ
|
$-1K |
$28,873
+2.7% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
55% |
| CD Concentration |
55.0%
+3.8% YoY-0.2% QoQ
|
+30.5% | 24.4% | 27.7% | 19.8% | Top 0.4% in tier |
| Indirect Auto % |
44.0%
-0.6% YoY-0.3% QoQ
|
+30.2% | 13.8% | 10.6% | 7.8% | Top 5.7% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (6)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)