State credit union · North Liberty, Iowa · NCUA charter #60269
Greenstate
Health score 49/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 49
- Health / 100
- $11.16B
- Total assets
- 402,073
- Members
- 5.2%
- Net-worth ratio
Greenstate - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #60269: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Greenstate - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)43
- Asset quality (delinquency)72
- Earnings (ROA)69
- Member growth0
- Liquidity (loan-to-share)54
Weighted composite: 49/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 5.15%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.15% | 30% |
| Delinquency Rate | 1.26% | 25% |
| Return on Assets | 0.19% | 15% |
| Member Growth | -10.87% | 15% |
| Loan-to-Share Ratio | 106.60% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.16B | 402,073 |
| 2024Q4 | $10.64B | 451,126 |
| 2023Q4 | $11.35B | 451,291 |
Credit Union Details
- Charter Number
- 60269
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Iowa
- City
- North Liberty
- Data Quarter
- 2025Q4
What This Data Says About Greenstate
Headquartered in North Liberty, Iowa, Greenstate is a state credit union with 402,073 members, $11.16B in total assets, and $9.33B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 49/100 (Below Average), driven in part by a net worth ratio of 5.15% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #60269 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
Two more numbers round out the picture: a 1.26% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers - and a 106.60% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.19% on net income of $20.9M 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 -10.87%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Iowa
More federally-insured credit unions based in Iowa, ordered by peer group match and asset size.
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 Greenstate financially healthy?
A 5.15% net worth ratio and a 1.26% delinquency rate feed into Greenstate's financial health score of 49/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Greenstate compare to other credit unions?
Five weighted metrics from NCUA filings produce Greenstate's 49/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Greenstate?
Membership eligibility for Greenstate depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Greenstate directly for current membership requirements and application steps.
Is my money safe at Greenstate?
Federal credit unions like Greenstate 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. Greenstate's net worth ratio of 5.15% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Greenstate offer compared to banks?
Credit unions like Greenstate 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 Greenstate 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.