State credit union · Greeneville, Tennessee · NCUA charter #68126

Greeneville Works Empls. Sav. Assn.

Health score 76/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.

76
Health / 100
$1.8M
Total assets
385
Members
52.8%
Net-worth ratio

Greeneville Works Empls. Sav. Assn. - Share Insurance Coverage

Charter #68126's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Greeneville Works Empls. Sav. Assn. Share insurance under NCUSIF covers up to $250,000 per share owner. Greeneville Works Empls. Sav. Assn. holds approximately $815K in member shares. Composite CAMELS rating bracket 2 (Satisfactory). Risk-based capital ratio 30.0 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 2 · Satisfactory RBC ratio 30.0% · $815K member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Greeneville Works Empls. Sav. Assn. - Five Health Pillars

Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.

  • Capital (net worth ratio) 52.77% 30% weight
  • Asset quality (delinquency) 0.00% 25% weight
  • Earnings (ROA) 1.32% 15% weight
  • Member growth -1.53% 15% weight
  • Liquidity (loan-to-share) 131% 15% weight

Weighted composite: 76/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

52.77% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

$1.8M
Total Assets
385
Members
$1.1M
Total Loans
$815K
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 52.77% 30%
Delinquency Rate 0.00% 25%
Return on Assets 1.32% 15%
Member Growth -1.53% 15%
Loan-to-Share Ratio 130.98% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.8M 385
2024Q4 $1.8M 391
2023Q4 $1.8M 389

Credit Union Details

Charter Number
68126
Type
State
Field of Membership
Other
Peer Group
Under $2M
State
Tennessee
City
Greeneville
Data Quarter
2025Q4

What This Data Says About Greeneville Works Empls. Sav. Assn.

Headquartered in Greeneville, Tennessee, Greeneville Works Empls. Sav. Assn. is a state credit union with 385 members, $1.8M in total assets, and $1.1M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 76/100 (Very Good), driven in part by a net worth ratio of 52.77% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68126 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.

On loan book quality: 0.00% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 130.98% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.32% on net income of $23K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by -1.53%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.

Nearby Credit Unions in Tennessee

A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.

Compare Greeneville Works Empls. Sav. Assn. vs A.U.B. EMPLOYEES'

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Greeneville Works Empls. Sav. Assn. financially healthy?

Yes/no aside, the number is 76/100 (Very Good) - Greeneville Works Empls. Sav. Assn.'s financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 52.77% net worth ratio and 0.00% delinquency rate are the key drivers.

How does Greeneville Works Empls. Sav. Assn. compare to other credit unions?

On PlainCU's health composite, Greeneville Works Empls. Sav. Assn. lands at 76/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Greeneville Works Empls. Sav. Assn.?

Membership eligibility for Greeneville Works Empls. Sav. Assn. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greeneville Works Empls. Sav. Assn. directly for current membership requirements and application steps.

Is my money safe at Greeneville Works Empls. Sav. Assn.?

Federal credit unions like Greeneville Works Empls. Sav. Assn. are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greeneville Works Empls. Sav. Assn.'s net worth ratio of 52.77% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Greeneville Works Empls. Sav. Assn. offer compared to banks?

Credit unions like Greeneville Works Empls. Sav. Assn. are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greeneville Works Empls. Sav. Assn. directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.