TellerScore

Greenwood Credit Union (NCUA charter #66594) is based in Warwick, Rhode Island. Its Q2 2026 call report shows $957.3M in total assets and $855.9M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Greenwood Credit Union scores 67/100, which we describe as moderate. That is higher than only 41% of 1,341 credit unions with $100 million – $1 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 9th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is capital cushion (51/100; 10.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.06%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity60/100
Loans ÷ shares: 100.2% · 11.2% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.78%

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 6 points (61 → 67), mostly because the earnings component improved by 17 points.

TellerScore
596367Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202459
Q3 202460
Q4 202460
Q1 202560
Q2 202561
Q3 202564
Q4 202563
Q1 202667
Q2 202667
Net worth ratio
7.00%8.53%10.06%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.85%
Q3 20248.86%
Q4 20249.19%
Q1 20259.23%
Q2 20259.14%
Q3 20259.48%
Q4 20259.65%
Q1 20269.73%
Q2 202610.06%
Delinquent loans (60+ days)
0.38%0.50%0.63%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.43%
Q4 20240.54%
Q1 20250.50%
Q2 20250.50%
Q3 20250.38%
Q4 20250.63%
Q1 20260.40%
Q2 20260.48%
Return on assets
0.50%0.78%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.52%
Q4 20240.57%
Q1 20250.58%
Q2 20250.62%
Q3 20250.79%
Q4 20250.92%
Q1 20261.05%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$957.3M10.06%0.48%1.05%100.2%
Q1 202667$924.8M9.73%0.40%1.05%99.3%
Q4 202563$907.8M9.65%0.63%0.92%99.7%
Q3 202564$894.7M9.48%0.38%0.79%99.5%
Q2 202561$900.4M9.14%0.50%0.62%96.6%
Q1 202560$875.6M9.23%0.50%0.58%100.6%
Q4 202460$865.5M9.19%0.54%0.57%98.3%
Q3 202460$895.7M8.86%0.43%0.52%99.4%
Q2 202459$890.1M8.85%0.45%0.50%99.7%

1,341 peers · $100 million – $1 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 ratio10.06%
29th
Problem loans0.48%
67th
Net charge-offs0.23%
66th
Return on assets1.05%
69th
Loans to deposits100.2%
3rd
Uninsured deposits11.2%
13th
Loan-loss reserves0.00%
50th
Texas ratio4.8%
42nd

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
The Peoples Credit UnionCredit union Middletown, RI59 out of 100, Moderate$811.2M10.0%0.57%vs
Westerly Community Credit UnionCredit union Wakefield, RI66 out of 100, Moderate$519.9M9.4%0.21%vs
Rhode Island Credit UnionCredit union Warwick, RI65 out of 100, Moderate$425.1M10.4%0.38%vs
Ocean State Credit UnionCredit union Coventry, RI53 out of 100, Below average$350.7M11.4%1.55%vs
Wave Federal Credit UnionCredit union Warwick, RI71 out of 100, Strong$156.8M12.3%0.93%vs

Deposit insurance

Is my money safe at Greenwood Credit Union?

Yes. Greenwood Credit Union is a federally insured credit union (NCUA charter #66594). 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 11.2% of shares and deposits ($95.9M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.06%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Greenwood Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Greenwood Credit Union reported 818 home-loan applications under HMDA (LEI 549300JD1162QW84ZO34): 581 originated ($82,725,000 total), 154 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.1%, 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.

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Premier Visa Credit Card & Premier Visa Secured Credit Card12.49% – 21.00%$0$352.0%

All Greenwood Credit Union card terms

Identity & history

Profile

Legal name
Greenwood Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66594
RSSD ID
54898
Primary regulator
State + NCUA
Established
1948
Headquarters
2700 Post Rd, Warwick, RI 02886
Employees
85

Quick answers

Greenwood Credit Union: common questions

Is Greenwood Credit Union NCUA insured?

Yes. Greenwood Credit Union is a federally insured credit union (NCUA charter #66594). 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 Greenwood Credit Union's TellerScore?

67 out of 100 (Moderate), 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 Greenwood Credit Union have?

1 office as of the latest NCUA data.