TellerScore

Greenstate Credit Union is a federally insured state-chartered credit union headquartered in North Liberty, Iowa, in business for about 88 years. At the end of Q2 2026 it reported $10.9B in total assets and $8.7B in member shares and deposits, with 17 offices across 3 states.

Greenstate Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 6% of its 25 credit unions with over $10 billion. Among 66 credit unions headquartered in Iowa, it ranks 59th. Problem-loan coverage contributes the most (69/100, 15.6%); capital cushion contributes the least (40/100, 9.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.03%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity52/100
Loans ÷ shares: 107.7% · 15.3% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.58%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (41 → 50), mostly because the loan quality component improved by 28 points.

TellerScore
404550Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202444
Q3 202442
Q4 202440
Q1 202542
Q2 202541
Q3 202540
Q4 202545
Q1 202650
Q2 202650
Net worth ratio
7.00%8.19%9.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.33%
Q3 20249.38%
Q4 20249.24%
Q1 20259.23%
Q2 20259.31%
Q3 20259.25%
Q4 20258.70%
Q1 20268.71%
Q2 20269.03%
Delinquent loans (60+ days)
1.24%1.66%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20242.04%
Q3 20242.08%
Q4 20242.07%
Q1 20252.05%
Q2 20252.08%
Q3 20252.08%
Q4 20251.26%
Q1 20261.26%
Q2 20261.24%
Return on assets
0.02%0.31%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.55%
Q3 20240.28%
Q4 20240.20%
Q1 20250.32%
Q2 20250.29%
Q3 20250.24%
Q4 20250.02%
Q1 20260.59%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$10.9B9.03%1.24%0.54%107.7%
Q1 202650$11.2B8.71%1.26%0.59%104.1%
Q4 202545$11.2B8.70%1.26%0.02%106.6%
Q3 202540$10.8B9.25%2.08%0.24%110.5%
Q2 202541$10.7B9.31%2.08%0.29%109.0%
Q1 202542$10.7B9.23%2.05%0.32%105.3%
Q4 202440$10.6B9.24%2.07%0.20%106.3%
Q3 202442$10.7B9.38%2.08%0.28%105.7%
Q2 202444$10.8B9.33%2.04%0.55%103.9%

25 peers · Over $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.03%
8th
Problem loans1.24%
38th
Net charge-offs0.44%
75th
Return on assets0.54%
25th
Loans to deposits107.7%
0th
Uninsured deposits15.3%
21st
Loan-loss reserves0.00%
50th
Texas ratio15.6%
4th

Deposit insurance

Is my money safe at Greenstate Credit Union?

Yes. Greenstate Credit Union is a federally insured credit union (NCUA charter #60269). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.3% of shares and deposits ($1.3B) are above the $250,000 NCUA insurance limit, above the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 9.03%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

17 locations

Branches

Greenstate Credit Union lists 17 offices in 15 cities across 3 states. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 160 consumer complaints about GREENSTATE CREDIT UNION to the company (70 in the last 12 months). 98.1% received a timely response. That is 18.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

HMDA 2025

Mortgage lending

In 2025, Greenstate Credit Union reported 21,051 home-loan applications under HMDA (LEI 549300W4FT4H1UWPGU95): 15,699 originated ($3,083,785,000 total), 1,887 denied, and 2,287 withdrawn or closed by the applicant. Its denial rate on decided applications was 10.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Greenstate Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60269
RSSD ID
225698
Primary regulator
State + NCUA
Established
1938
Headquarters
PO Box 800, North Liberty, IA 52317
Employees
1,013

Quick answers

Greenstate Credit Union: common questions

Is Greenstate Credit Union NCUA insured?

Yes. Greenstate Credit Union is a federally insured credit union (NCUA charter #60269). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Greenstate Credit Union's TellerScore?

50 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Greenstate Credit Union have?

17 offices as of the latest NCUA data, in 3 states.