GREENWOOD

Charter #66594 | RI

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in RI

GREENWOOD has 7 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 18.2% in tier
  • + Relationship Depth Leader: Top 31.6% in tier
  • + ROA 0.07% above tier average
  • + Members Per Employee (MPE): Top 2.7% in tier
  • + Total Loans: Top 2.7% in tier
  • + Loan-to-Share Ratio: Top 8.0% in tier
  • + First Mortgage Concentration (%): Top 8.9% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 3.8% in tier
  • - Indirect Auto Dependency: Bottom 9.4% in tier
  • - Membership Headwinds: Bottom 9.5% in tier
  • - Liquidity Strain: Bottom 13.4% in tier
  • - Member decline: -4.1% YoY
  • - Share Certificate Concentration (%): Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 6.2% in tier
  • - Indirect Auto Concentration (%): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 60,212
-4.1% YoY-0.2% QoQ
 +8.1K 52,114
-2.1% YoY
 35,904
+9.4% YoY
 33,089
+6.1% YoY
 71st in tier
Assets $894.7M
-0.1% YoY-0.6% QoQ
 +$35.7M $859.0M
+0.0% YoY
 $771.6M
+10.6% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $794.9M
+0.5% YoY+1.6% QoQ
 +$191.6M $603.4M
+1.0% YoY
 $651.4M
+12.0% YoY
 $388.7M
+8.6% YoY
 Top 3.6% in tier
Deposits $799.0M
+0.4% YoY-1.3% QoQ
 +$64.8M $734.2M
+0.9% YoY
 $641.8M
+11.9% YoY
 $464.6M
+9.3% YoY
 Top 20.5% in tier
ROA 0.8%
+49.7% YoY+24.6% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.5%
-21.3% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 2.8%
+23.8% YoY+2.8% QoQ
 -0.6% 3.4%
+9.6% YoY
 2.9%
+1.1% YoY
 3.7%
+5.0% YoY
 Bottom 19.6% in tier
Efficiency Ratio 67.4%
-5.7% YoY-4.0% QoQ
 -7.2% 74.5%
-3.2% YoY
 83.0%
+4.4% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 0.4%
-11.1% YoY-24.8% QoQ
 -0.4 0.8%
+5.0% YoY
 0.5%
-36.2% YoY
 1.2%
-0.9% YoY
 Bottom 19.6% in tier
Loan To Share 99.5%
+0.1% YoY+3.0% QoQ
 +16.8% 82.7%
+0.1% YoY
 78.6%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 8.9% in tier
AMR $26,472
+4.8% YoY+0.4% QoQ
 $-2K $28,651
+2.5% YoY
 $26,126
+7.2% YoY
 $19,418
+1.3% YoY
 48th in tier
CD Concentration 55.1%
-3.4% YoY+2.7% QoQ
 +30.7% 24.4%
+4.2% YoY
 27.4%
+6.5% YoY
 19.6%
+6.2% YoY
 Top 0.3% in tier
Indirect Auto % 44.2%
-1.2% YoY-0.9% QoQ
 +30.2% 14.0%
-5.8% YoY
 10.6%
+7.4% YoY
 7.9%
-2.9% YoY
 Top 6.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#502 of 1006 • Top 18.2% in tier

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

Why This Signature
AMR Growth (YoY): 4.77%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#871 of 1006 • Top 31.6% in tier

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

Why This Signature
AMR Growth (YoY): 4.77%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Stagnation Risk

risk
#63 of 550 • Bottom 3.8% 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: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -4.14%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 55.08%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#152 of 525 • Bottom 9.4% in tier

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

Why This Signature
Asset Growth (YoY): -0.11%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 44.18%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -4.14%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline
#157 of 550 • Bottom 9.5% in tier

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

Why This Signature
Member Growth (YoY): -4.14%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#105 of 258 • Bottom 13.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.49%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 0.48%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 112 peers in tier

Top Strengths (6 metrics)

4
Members Per Employee (MPE)
engagement
Value: 752.650
Peer Avg: 361.634
#4 of 112 Top 2.7% in 750M-1B tier
4
Total Loans
balance_sheet
Value: $794.92M
Peer Avg: $603.36M
#4 of 112 Top 2.7% in 750M-1B tier
10
Loan-to-Share Ratio
balance_sheet
Value: 99.49%
Peer Avg: 82.66%
#10 of 112 Top 8.0% in 750M-1B tier
11
First Mortgage Concentration (%)
balance_sheet
Value: 13.90%
Peer Avg: 33.64%
#11 of 112 Top 8.9% in 750M-1B tier
23
Total Delinquency Rate (60+ days)
risk
Value: 0.38%
Peer Avg: 0.82%
#23 of 112 Top 19.6% in 750M-1B tier
23
Total Deposits
balance_sheet
Value: $799.01M
Peer Avg: $734.17M
#23 of 112 Top 19.6% in 750M-1B tier

Top Weaknesses (7 metrics)

112
Share Certificate Concentration (%)
balance_sheet
Value: 55.08%
Peer Avg: 28.34%
#112 of 112 Bottom 0.9% in 750M-1B tier
106
Fee Income Per Member
profitability
Value: $75.63
Peer Avg: $204.75
#106 of 112 Bottom 6.2% in 750M-1B tier
106
Indirect Auto Concentration (%)
balance_sheet
Value: 44.18%
Peer Avg: 16.60%
#106 of 112 Bottom 6.2% in 750M-1B tier
99
Member Growth Rate
growth
Value: -4.14%
Peer Avg: 1.14%
#99 of 112 Bottom 12.5% in 750M-1B tier
99
Deposit Growth Rate
growth
Value: 0.40%
Peer Avg: 5.03%
#99 of 112 Bottom 12.5% in 750M-1B tier
90
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Avg: 3.38%
#90 of 112 Bottom 20.5% in 750M-1B tier
89
Asset Growth Rate
growth
Value: -0.11%
Peer Avg: 4.25%
#89 of 112 Bottom 21.4% in 750M-1B tier