BlastPoint's Credit Union Scorecard
GREENEVILLE WORKS EMPLS. SAV. ASSN.
Charter #68126 · TN
GREENEVILLE WORKS EMPLS. SAV. ASSN. has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 1.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.8% in tier
- + Loan-to-Share Ratio: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Net Charge-Off Rate: Bottom 2.7% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
- - Total Assets: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
387
-0.3% YoY+1.0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
Bottom 10.7% in tier |
| Assets |
$1.8M
-2.4% YoY-0.7% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.7% in tier |
| Loans |
$957,732
-7.0% YoY-2.7% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.4% in tier |
| Deposits |
$816,586
-5.3% YoY-2.4% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.9% in tier |
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| ROA |
0.9%
-26.9% YoY-12.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
5.9%
+3.2% YoY+0.8% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
77.5%
+6.1% YoY+4.3% QoQ
|
-3.9% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.6%
-83.0% YoY-82.6% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
117.3%
-1.8% YoY-0.4% QoQ
|
+56.1% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 1.1% in tier |
| AMR |
$4,585
-6.0% YoY-3.6% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 8.0% in tier |
| CD Concentration |
35.2%
+19.0% YoY+13.2% QoQ
|
+10.8% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
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)