Comparison · Q2 2026 call reports
Greenwood Credit Union vs The Peoples Credit Union
Greenwood Credit Union is the larger, with $957 million in assets and 59,300 members, against $811 million and 40,885 for The Peoples Credit Union. Greenwood Credit Union has the higher net worth ratio, 10.06% against 10.00%; The Peoples Credit Union reported the lower new auto loan rate, 6.00% against 7.89%; and Greenwood Credit Union paid members more on deposits, 2.95% of balances against 1.33%. Figures are from the call reports each filed with NCUA for the quarter ended June 30, 2026.
Charter 66594 · Warwick, RI
Greenwood Credit Union
Rhode Island charter, opened 1948. NCUA peer group: $500 million and up. 2 offices in NCUA's branch file.
Membership is limited to its field of membership; check its eligibility rules on its own website.
Charter 65861 · Middletown, RI
The Peoples Credit Union
Rhode Island charter, opened 1922. NCUA peer group: $500 million and up. 6 offices in NCUA's branch file.
Membership is limited to its field of membership; check its eligibility rules on its own website.
| Figure | Greenwood Credit Union | The Peoples Credit Union |
|---|---|---|
| Size | ||
| Total assets | $957M36 | $811M27 |
| Members | 59,30038 | 40,88519 |
| Loans outstanding | $857M46 | $652M34 |
| Shares and deposits | $856M37 | $639M21 |
| Net worth | $92.6M27 | $80.8M23 |
| Branches | 11 | 614 |
| Employees | 855 | 12821 |
| Growth (12 months) | ||
| Asset growth | +6.32%62 | +1.51%20 |
| Member growth | -1.73%19 | -2.29%16 |
| Loan growth | +9.62%75 | -2.11%11 |
| Deposit growth | +5.72%59 | +3.11%34 |
| Capital and reserves | ||
| Net worth ratio | 10.06%35 | 10.00%34 |
| Loss reserves to loans | 0.46%10 | 0.23%2 |
| Loss reserves to late loans | 0.96x25 | 0.40x2 |
| Earnings | ||
| Return on assets | 1.08%70 | 0.26%10 |
| Net interest margin | 3.11%27 | 2.71%10 |
| Dividends paid on deposits | 2.95%98 | 1.33%23 |
| Cost of funds | 2.64%97 | 1.47%40 |
| Efficiency ratio | 65.54%77 | 90.63%3 |
| Operating expense to assets | 2.39%87 | 3.08%68 |
| Non-interest income to assets | 0.44%6 | 0.69%19 |
| Fee income per member | $7057 | $6167 |
| Credit loss expense to loans | 0.20%82 | 0.07%94 |
| Loan quality | ||
| Loans 60+ days late | 0.48%71 | 0.57%63 |
| Net charge-off rate | 0.24%78 | 0.03%98 |
| Loan rates on the call report | ||
| New auto loan rate | 7.89%3 | 6.00%27 |
| Used auto loan rate | 9.01%3 | 7.00%23 |
| Credit card rate | 14.90%23 | 12.49%55 |
| Personal loan rate | 15.75%13 | 14.75%18 |
| First mortgage rate | 7.44%2 | 6.00%46 |
| Home equity rate | 8.25%5 | 6.50%73 |
| Lending | ||
| Loan-to-share ratio | 100%89 | 102%92 |
| Auto loans, share of loans | 45.68%85 | 17.63%26 |
| Home loans, share of loans | 20.41%5 | 65.23%87 |
| Credit cards, share of loans | 0.24%10 | 0.07%9 |
| Business loans, share of loans | 13.70%59 | 11.78%50 |
| Auto loans outstanding | $392M65 | $115M22 |
| Home loans outstanding | $175M13 | $425M52 |
| Credit card balances | $2.1M11 | $483K9 |
| Business loans outstanding | $117M53 | $76.8M40 |
| Private student loans | $028 | $028 |
| Average loan size | $23K47 | $59K96 |
| Deposits | ||
| Certificates, share of deposits | 51.74%99 | 24.75%33 |
| Core deposits, share of deposits | 33.32%1 | 72.77%76 |
| Deposits over $250,000 | 11.21%71 | 10.89%69 |
| Average deposits per member | $14K43 | $16K55 |
| Liquidity | ||
| Investments to assets | 1.14%7 | 8.36%37 |
| Cash to assets | 2.62%6 | 4.82%23 |
| Borrowings to assets | 0.47%42 | 11.22%93 |
| Operations | ||
| Members per employee | 70698 | 32636 |
| Assets per employee | $11.4M93 | $6.5M54 |
| Members per branch | 59,30099 | 6,81453 |
| Field of membership reached | 59.30%95 | 3.65%40 |
Bold marks the more member-friendly figure where one direction is better (higher capital and earnings, lower late loans, fees and loan rates). Small numbers are each credit union's percentile within its own NCUA peer group (100 is best). Loan rates are what each reported on its call report, not offers. Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or either credit union.
Add more to this comparison Greenwood Credit Union The Peoples Credit Union
Questions people ask
Which is bigger, Greenwood Credit Union or The Peoples Credit Union?
Greenwood Credit Union, with $957 million in assets and 59,300 members at June 30, 2026, against $811 million and 40,885 for The Peoples Credit Union, according to their NCUA call reports.
Which has lower auto loan rates, Greenwood Credit Union or The Peoples Credit Union?
The Peoples Credit Union reported the lower new auto loan rate on its Q2 2026 call report: 6.00%, against 7.89% for Greenwood Credit Union. Used auto: Greenwood Credit Union 9.01%, The Peoples Credit Union 7.00%. These are reported rates, not offers.
Are Greenwood Credit Union and The Peoples Credit Union federally insured?
Greenwood Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category. The Peoples Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category.