State credit union · Warwick, Rhode Island · NCUA charter #66594
Greenwood
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $907.8M
- Total assets
- 59,087
- Members
- 9.5%
- Net-worth ratio
Greenwood - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #66594 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Greenwood - 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)96
- Asset quality (delinquency)95
- Earnings (ROA)100
- Member growth26
- Liquidity (loan-to-share)71
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.49% 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 | 9.49% | 30% |
| Delinquency Rate | 0.63% | 25% |
| Return on Assets | 0.54% | 15% |
| Member Growth | -2.84% | 15% |
| Loan-to-Share Ratio | 99.66% | 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 | $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
What This Data Says About Greenwood
Charter #66594, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Greenwood, a state credit union in Warwick, Rhode Island with 59,087 members, $907.8M in total assets, and $808.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 82/100 (Excellent), helped by a net worth ratio of 9.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.63% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Meanwhile a 99.66% 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 0.54% on net income of $4.9M 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 -2.84%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Rhode Island
More federally-insured credit unions based in Rhode Island, 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 Greenwood financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Greenwood's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.49% net worth ratio and 0.63% delinquency rate are the key drivers.
How does Greenwood compare to other credit unions?
PlainCU's health composite puts Greenwood at 82/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Greenwood 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. Greenwood's net worth ratio of 9.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greenwood offer compared to banks?
Credit unions like Greenwood 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 Greenwood 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.