Credit Union Safety Analysis
Is Greeneville Works Employees Savings Association Credit Union Safe? Greeneville, Tennessee
Based on its Q2 2026 NCUA 5300 call report, Greeneville Works Employees Savings Association Credit Union has a net worth ratio of 52.15%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Greeneville Works Employees Savings Association Credit Union's net worth ratio is 52.15%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 52.15%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 1.21%
- Loan-to-share ratio (Q2 2026): 122.19%
Greeneville Works Employees Savings Association Credit Union (NCUA charter 68126) reported $1.8M in assets and 379 members for Q2 2026 from Greeneville, Tennessee. It ranks 119 of 123 credit unions in Tennessee by total assets. Total assets grew 1.8% from $1.8M on June 30, 2025. It has 4 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 0.16 percentage points from 51.99% on June 30, 2025. Used vehicle loans are its largest loan category, $335K of $1.0M in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 52.08% for Q1 2026; 51.99% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 3.54% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.22% for Q1 2026; 0.73% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 128.36% for Q1 2026; 117.74% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $335K
- New vehicle loans: $325K
- Other secured non-real estate loans and lines of credit: $239K
- Other unsecured loans and lines of credit: $138K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.8M | 52.15% | — | 1.21% | 122.19% |
| March 31, 2026 | $1.8M | 52.08% | — | 1.22% | 128.36% |
| December 31, 2025 | $1.8M | 52.77% | — | 1.37% | 130.98% |
| September 30, 2025 | $1.8M | 52.51% | 0.62% | 0.60% | 117.28% |
| June 30, 2025 | $1.8M | 51.99% | 3.54% | 0.73% | 117.74% |
| March 31, 2025 | $1.8M | 50.35% | 3.38% | 1.26% | 110.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Greeneville Works Employees Savings Association Credit Union profile
Regulator records: NCUA credit union profile (charter 68126) · FFIEC NIC profile (RSSD 402396)
Frequently asked questions
Is Greeneville Works Employees Savings Association Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Greeneville Works Employees Savings Association Credit Union's net worth ratio is 52.15%, above the 7% NCUA threshold for well capitalized.
Is Greeneville Works Employees Savings Association Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Greeneville Works Employees Savings Association Credit Union is a federally insured credit union (NCUA charter 68126): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Greeneville Works Employees Savings Association Credit Union's key safety ratios?
For Q2 2026, Greeneville Works Employees Savings Association Credit Union reports net worth 52.15%, delinquency not reported, ROA 1.21%, loan-to-share 122.19%.
What happens to my money if Greeneville Works Employees Savings Association Credit Union fails?
For Q2 2026, Greeneville Works Employees Savings Association Credit Union held $848K in shares and deposits for 379 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.