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
- BOOK 83/100
- CHARTER 9.7%
- NCUSIF 0.63%
- CAMELS 0.54%
- HEALTH $907.8M
- NW 59,087
- DELQ #2,326/4,374
- ROA Sun East
- ASSETS 66594
Call Report peers
GREENWOOD in the assets neighbourhood
GREENWOOD's $907.8M assets sit next to Sun East ($907.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
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.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GREENWOOD Call Report trajectory
GREENWOOD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $907.8M (2025Q4) to $924.8M (2026Q1).
- Net-worth ratio shifted +0.08 pp (9.65% → 9.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for GREENWOOD, both outside Rhode Island so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($907.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GREENWOOD financially healthy?
Yes/no aside, the number is 83/100 (Excellent) - GREENWOOD's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,326 of 4,374; by total assets it ranks #503 of 4,374 nationally (same basis as /rankings/largest); and #3 of 14 within Rhode Island. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.73% 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 83/100, 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 9.73% 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.
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.