BlastPoint's Credit Union Scorecard

GREENWOOD

Charter #66594 · RI

Community 750M-1B

112 CUs in 750M-1B nationally 2 in RI

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GREENWOOD has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 97.6% 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	71%
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	65%
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	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	58%
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	20%
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	27%
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	20%
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	48%
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% -5.7% YoY	10.6% +7.4% YoY	7.9% -2.9% YoY	Top 6.0% in tier

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#332 of 340 • Top 97.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.38%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.05% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Stagnation Risk

risk

#63 of 550 • Bottom 3.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.14%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.48%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.38%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -4.14%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

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

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: 3.65%, 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)

Compare against:

Comparing against 112 peers in tier

Top Strengths (6 metrics)

Members Per Employee (MPE)

engagement

Value: 752.650

Peer Avg: -

#4 of 112 Top 2.7% in 750M-1B tier

Total Loans

balance_sheet

Value: $794.92M

Peer Avg: -

#4 of 112 Top 2.7% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.49%

Peer Avg: -

#10 of 112 Top 8.0% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 13.90%

Peer Avg: -

#11 of 112 Top 8.9% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Total Deposits

balance_sheet

Value: $799.01M

Peer Avg: -

#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: -

#112 of 112 Bottom 0.9% in 750M-1B tier

106

Fee Income Per Member

profitability

Value: $75.63

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

106

Indirect Auto Concentration (%)

balance_sheet

Value: 44.18%

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

Member Growth Rate

growth

Value: -4.14%

Peer Avg: -

#99 of 112 Bottom 12.5% in 750M-1B tier

Deposit Growth Rate

growth

Value: 0.40%

Peer Avg: -

#99 of 112 Bottom 12.5% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 2.81%

Peer Avg: -

#90 of 112 Bottom 20.5% in 750M-1B tier

Asset Growth Rate

growth

Value: -0.11%

Peer Avg: -

#89 of 112 Bottom 21.4% in 750M-1B tier