Federal credit union · Greenwich, Connecticut · NCUA charter #19203
Greenwich Municipal Employees
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $32.5M
- Total assets
- 2,084
- Members
- 12.8%
- Net-worth ratio
Greenwich Municipal Employees - Share Insurance Coverage
Charter #19203'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.
Greenwich Municipal Employees - 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)100
- Asset quality (delinquency)82
- Earnings (ROA)100
- Member growth56
- Liquidity (loan-to-share)61
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.76% | 30% |
| Delinquency Rate | 0.94% | 25% |
| Return on Assets | 1.35% | 15% |
| Member Growth | -0.33% | 15% |
| Loan-to-Share Ratio | 35.47% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $32.5M | 2,084 |
| 2024Q4 | $30.4M | 2,091 |
| 2023Q4 | $31.2M | 2,076 |
Credit Union Details
- Charter Number
- 19203
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Greenwich
- Data Quarter
- 2025Q4
What This Data Says About Greenwich Municipal Employees
Charter #19203, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Greenwich Municipal Employees, a federal credit union in Greenwich, Connecticut with 2,084 members, $32.5M in total assets, and $9.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 12.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.94% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 35.47% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.35% on net income of $439K 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 -0.33%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Multiple Common Bond) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Connecticut
Other federally-insured credit unions in Connecticut, closest first by peer group 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 Greenwich Municipal Employees financially healthy?
Greenwich Municipal Employees has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.76% and delinquency rate of 0.94%.
How does Greenwich Municipal Employees compare to other credit unions?
On PlainCU's health composite, Greenwich Municipal Employees lands at 83/100, compared to a peer group average for $10M–$50M 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 Greenwich Municipal Employees?
Greenwich Municipal Employees serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Greenwich Municipal Employees directly for the current list of qualifying groups.
Is my money safe at Greenwich Municipal Employees?
Federal credit unions like Greenwich Municipal Employees 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. Greenwich Municipal Employees's net worth ratio of 12.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greenwich Municipal Employees offer compared to banks?
Credit unions like Greenwich Municipal Employees 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 Greenwich Municipal Employees 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.