BlastPoint's Credit Union Scorecard
GREENWOOD
Charter #66594 · RI
GREENWOOD has 6 strengths but faces 7 concerns
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How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.2% in tier
- + ROA 0.29% above tier average
- + Total Loans: Top 0.1% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
- + Loan-to-Share Ratio: Top 6.0% in tier
- + First Mortgage Concentration (%): Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.5% in tier
- - Indirect Auto Dependency: Bottom 37.2% in tier
- - Membership Headwinds: Bottom 72.9% in tier
- - Stagnation Risk: Bottom 72.9% in tier
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,046
-1.9% YoY-0.1% QoQ
|
+7.5K |
51,500
+0.7% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$924.8M
+5.6% YoY+1.9% QoQ
|
+$59.2M |
$865.6M
+0.9% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
74% |
| Loans |
$822.7M
+5.9% YoY+1.7% QoQ
|
+$227.4M |
$595.3M
+1.6% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
Top 0.9% in tier |
| Deposits |
$828.5M
+7.3% YoY+2.1% QoQ
|
+$86.3M |
$742.2M
+0.6% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
1.1%
+81.2% YoY+14.0% QoQ
|
+0.3% |
0.8%
+45.0% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.1%
+15.1% YoY+7.5% QoQ
|
-0.4% |
3.5%
+6.1% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
65.9%
-8.9% YoY+2.4% QoQ
|
-9.7% |
75.5%
-3.4% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.4%
-20.4% YoY-35.9% QoQ
|
-0.3 |
0.7%
-0.1% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
99.3%
-1.3% YoY-0.4% QoQ
|
+18.7% |
80.6%
+0.7% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
Top 6.8% in tier |
| AMR |
$27,965
+8.7% YoY+2.0% QoQ
|
$-943 |
$28,908
+0.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
57% |
| CD Concentration |
54.1%
+3.5% YoY-1.6% QoQ
|
+29.8% | 24.3% | 27.4% | 19.8% | Top 0.6% in tier |
| Indirect Auto % |
43.4%
-3.2% YoY-1.5% QoQ
|
+29.6% | 13.8% | 10.6% | 7.7% | Bottom 5.9% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)