| Metric | Greenwood Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.8% | +0.9 pts |
| Share growth (YoY) | +7.3% | +4.3% | +3.0 pts |
| Loan growth (YoY) | +5.9% | +4.3% | +1.6 pts |
| ROA | 1.05% | 0.62% | +0.4 pts |
| ROE | 10.8% | 5.9% | +4.9 pts |
ROA ranks in the 76th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $924.8M | $828.5M | $822.7M | $90.0M | $2.4M | 1.05% | 3.07% | 0.40% | 59,046 |
| Q4 2025 | $907.8M | $811.5M | $808.8M | $87.6M | $8.3M | 0.92% | 2.83% | 0.63% | 59,087 |
| Q3 2025 | $894.7M | $799.0M | $794.9M | $84.8M | $5.3M | 0.79% | 2.82% | 0.38% | 60,212 |
| Q2 2025 | $900.4M | $809.6M | $782.0M | $82.4M | $2.8M | 0.62% | 2.69% | 0.50% | 60,347 |
| Q1 2025 | $875.6M | $772.5M | $776.9M | $80.8M | $1.3M | 0.58% | 2.65% | 0.50% | 60,208 |
| Q4 2024 | $865.5M | $774.9M | $762.1M | $79.6M | $4.9M | 0.57% | 2.41% | 0.54% | 60,814 |
| Q3 2024 | $895.7M | $795.8M | $791.1M | $78.4M | $3.5M | 0.52% | 2.26% | 0.43% | 62,810 |
| Q2 2024 | $890.1M | $788.7M | $786.0M | $77.2M | $2.2M | 0.50% | 2.20% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Greenwood Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.62% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 5.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.07% | 3.48% |
Peer lists, growth filters, CSV export, CRM push.
| 0.45% |
| 61,840 |
Loan mix (Q1 2026): real estate $172.2M · commercial $110.2M · consumer $374.2M · securities $12.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 78.3% | 15th |
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% |
| Ratio | Greenwood 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% |
| Ratio | Greenwood 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% |
| Ratio | Greenwood 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% |
| Ratio | Greenwood 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% |
The full ratio pack is part of CharterBench Pro.