GREENWOOD
Charter #66594 · Warwick, RI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.06% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.10% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.07% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.27% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GREENWOOD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $924.84M | 89th pct | 34th pct |
| Members | 59,046 | 86th pct | 36th pct |
| Net worth ratio | 9.73% | 37th pct | 41th pct |
| Return on average assets | 1.06% | 76th pct | 75th pct |
| Net interest margin | 3.10% | 24th pct | 11th pct |
| Cost of funds | 0.07% | 4th pct | 7th pct |
| Loan-to-share | 99.29% | 95th pct | 85th pct |
| Delinquency 60+ days | 0.40% | 30th pct | 23th pct |
| Net charge-off ratio | 0.27% | 33th pct | 16th pct |
| Loan growth YoY | 3.49% | 78th pct | 55th pct |
| Share growth YoY | 3.69% | 45th pct | 32th pct |
| Efficiency ratio | 65.86% | 15th pct | 13th pct |
structural peer set hash: 86b683c0acbb6aaecb4442897be80dd2… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.