BlastPoint's Credit Union Scorecard
GREENWOOD
Charter #66594 · RI
GREENWOOD has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 10.6% in tier
- + ROA 0.23% above tier average
- + Total Loans: Top 0.1% in tier
- + Members Per Employee (MPE): Top 2.7% in tier
- + Total Deposits: Top 7.2% in tier
- + First Mortgage Concentration (%): Top 7.2% in tier
- + Loan-to-Share Ratio: Top 8.1% in tier
- + Total Assets: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.3% in tier
- - Indirect Auto Dependency: Bottom 30.2% in tier
- - Membership Headwinds: Bottom 71.3% in tier
- - Stagnation Risk: Bottom 71.3% in tier
- - Share Certificate Concentration (%): Bottom 0.9% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 6.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 2 that size in Rhode Island.
- Shares and deposits +5.7% year over year ($856M in shares and deposits).
- Membership: 59,300 members, -1.7% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.07%.
- Efficiency ratio 65.54% vs a 74.54% peer average.
- Loan-to-share ratio 100.16% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,300
-1.7% YoY+0.4% QoQ
|
+6.8K |
52,482
+1.3% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
69% |
| Assets |
$957.3M
+6.3% YoY+3.5% QoQ
|
+$93.4M |
$863.9M
+0.5% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 9.9% in tier |
| Loans |
$857.2M
+9.6% YoY+4.2% QoQ
|
+$249.5M |
$607.8M
+2.1% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
Top 0.9% in tier |
| Deposits |
$855.9M
+5.7% YoY+3.3% QoQ
|
+$116.0M |
$739.9M
+0.2% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Top 8.1% in tier |
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| ROA |
1.1%
+70.3% YoY+1.9% QoQ
|
+0.2% |
0.8%
+30.4% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.1%
+12.7% YoY+0.4% QoQ
|
-0.4% |
3.5%
+6.2% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
65.5%
-6.6% YoY-0.5% QoQ
|
-9.0% |
74.5%
-1.4% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-5.3% YoY+18.9% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
100.2%
+3.7% YoY+0.9% QoQ
|
+17.6% |
82.6%
+1.9% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 9.0% in tier |
| AMR |
$28,889
+9.5% YoY+3.3% QoQ
|
+$188 |
$28,702
+0.4% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
51.7%
-3.5% YoY-4.4% QoQ
|
+27.2% | 24.6% | 27.0% | 20.0% | Top 0.8% in tier |
| Indirect Auto % |
43.9%
-1.6% YoY+1.2% QoQ
|
+30.3% | 13.6% | 10.6% | 7.7% | Bottom 5.5% 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)