State credit union · Warwick, Rhode Island · NCUA charter #66594
GREENWOOD
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $907.8M
- Total assets
- 59,087
- Members
- 9.7%
- Net-worth ratio
GREENWOOD scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $907.8M; members 59,087; net-worth ratio 9.73%; health rank #2,326 of 4,374; healthier than 46th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,326 of 4,374 health · 2025Q4GREENWOOD · health 83/100 · $907.8M · 2025Q4
Call Report peers
GREENWOOD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GREENWOOD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GREENWOOD sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where GREENWOOD diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 99.66% vs peer 83.90% (+15.76 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.45 pp (9.73% vs 11.18%).
GREENWOOD: in-state Call Report ranks
- In Rhode Island, health place is #9 of 14 on the same NCUA-ratio sort used nationally.
- Rhode Island assets place: #3 of 14.
- Rhode Island membership ordinal: #3 of 14.
- One place up in Rhode Island, Blackstone River (#8) ties at 83/100; one place down, Westerly Community (#10) scores 80/100, 3 points lower.
GREENWOOD Call Report trajectory
GREENWOOD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $907.8M (2025Q4) to $924.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.65% → 9.73%).
This credit union's 9.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
GREENWOOD gives up 17 points in total. Member Growth costs the most, 11.1 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.3 pts
- Delinquency Rate 23.7 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for GREENWOOD
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.73% | -1.45 pp |
| Delinquency Rate | 0.63% | -0.25 pp |
| Return on Assets | 0.54% | +0.04 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 99.66% | +15.76 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
GREENWOOD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $924.8M | - |
| 2025Q4 | $907.8M | 59,087 |
| 2024Q4 | $865.5M | 60,814 |
| 2023Q4 | $868.6M | 64,644 |
Credit Union Details
- Charter Number
- 66594
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Rhode Island
- City
- Warwick
- Data Quarter
- 2025Q4
Branch Locations (2)
GREENWOOD operates 2 offices in Warwick, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Operations Center (Main Office) | Warwick, RI |
| Retail Branch - 2669 Post Rd | Warwick, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
More federally-insured credit unions based in Rhode Island, ordered by peer group match and asset size.
Other-state peers near GREENWOOD
Using this data
- GREENWOOD ranks #2,326 of 4,374 nationally on financial health and #9 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Peoples is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Peoples
Frequently Asked Questions
Is GREENWOOD financially healthy?
GREENWOOD has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,326 of 4,374 nationally on health and #9 of 14 in Rhode Island. Its net worth ratio is 9.73% and its delinquency rate 0.63%.
How does GREENWOOD compare to other credit unions?
GREENWOOD scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (99.66% vs 83.90%). Its widest shortfall is net worth ratio (9.73% vs 11.18%).
How can I join GREENWOOD?
Membership eligibility for GREENWOOD depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GREENWOOD directly for current membership requirements and application steps.
Is my money safe at GREENWOOD?
GREENWOOD is a state-chartered credit union; its shares are federally 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. GREENWOOD's net worth ratio of 9.73% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.