GreenState Credit Union
Total assets
$11.19B
▲ +4.1% YoY
Shares & deposits
$8.83B
▲ +2.0% YoY
Loans
$9.20B
▲ +0.9% YoY
Members
408,586
▼ -10.3% YoY
ROA (annualized)
0.59%
peers 0.77%
ROE (annualized)
6.83%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +7.0% | -2.9 pts |
| Share growth (YoY) | +2.0% | +6.8% | -4.8 pts |
| Loan growth (YoY) | +0.9% | +6.8% | -5.9 pts |
| ROA | 0.59% | 0.77% | -0.2 pts |
| ROE | 6.8% | 7.7% | -0.8 pts |
ROA ranks in the 30th percentile of its peer group · Q1 2026
Profile
- Established
- 1938
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 800, North Liberty, IA, 52317
- NCUA charter #
- 60269
- RSSD ID
- 225698
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.19B | $8.83B | $9.20B | $975.2M | $16.7M | 0.59% | 2.27% | 1.26% | 408,586 |
| Q4 2025 | $11.16B | $8.75B | $9.33B | $971.1M | $2.3M | 0.02% | 2.06% | 1.26% | 402,073 |
| Q3 2025 | $10.84B | $8.49B | $9.39B | $1.00B | $19.4M | 0.24% | 2.07% | 2.08% | 398,403 |
| Q2 2025 | $10.74B | $8.51B | $9.28B | $1.00B | $15.7M | 0.29% | 2.02% | 2.08% | 391,969 |
| Q1 2025 | $10.75B | $8.66B | $9.12B | $993.7M | $8.5M | 0.32% | 1.94% | 2.05% | 455,463 |
| Q4 2024 | $10.64B | $8.57B | $9.11B | $985.2M | $20.9M | 0.20% | 1.69% | 2.07% | 451,126 |
| Q3 2024 | $10.66B | $8.58B | $9.07B | $1.00B | $22.3M | 0.28% | 1.66% | 2.08% | 455,892 |
| Q2 2024 | $10.80B | $8.71B | $9.05B | $1.01B | $29.7M | 0.55% | 1.60% | 2.04% | 450,119 |
Loan mix (Q1 2026): real estate $4.85B · commercial $2.76B · consumer $1.52B · securities $183.8M
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | GreenState Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 0.77% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 7.7% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.08% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 62.8% | 83th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | GreenState Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | GreenState Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | GreenState Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | GreenState Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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