BlastPoint's Credit Union Scorecard
GREENEVILLE WORKS EMPLS. SAV. ASSN.
Charter #68126 · TN
GREENEVILLE WORKS EMPLS. SAV. ASSN. has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 1.95% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.4% in tier
- + Net Worth Ratio: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Total Assets: Bottom 8.6% in tier
- - Average Member Relationship (AMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
385
-1.5% YoY-0.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
Bottom 10.3% in tier |
| Assets |
$1.8M
-2.9% YoY+0.1% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.6% in tier |
| Loans |
$1.1M
+2.3% YoY+11.4% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.7% in tier |
| Deposits |
$814,570
-6.3% YoY-0.2% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.8% in tier |
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| ROA |
1.0%
-22.3% YoY+14.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
5.9%
+5.2% YoY+0.1% QoQ
|
+2.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 4.4% in tier |
| Efficiency Ratio |
76.5%
+6.2% YoY-1.3% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
131.0%
+9.1% YoY+11.7% QoQ
|
+70.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 0.5% in tier |
| AMR |
$4,887
-0.1% YoY+6.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.8% in tier |
| CD Concentration |
35.4%
+17.9% YoY+0.6% QoQ
|
+11.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)