GreenState Credit Union North Liberty, Iowa
GreenState Credit Union is a state-chartered credit union headquartered in North Liberty, IA, established in 1938 (NCUA charter 60269), and it is regulated and insured by the NCUA. At Q2 2026 it reported 359,136 members and total assets of $10.95B (up 1.9% from Q2 2025), the largest of 65 credit unions headquartered in Iowa. Its net worth ratio was 9.03% at Q2 2026, in the well capitalized band.
Also written as GreenState CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60269
- Headquarters
- North Liberty, IA
- Established
- 1938
- Total assets, Q2 2026
- $10.95B
- Assets vs Q2 2025
- +1.9%
- Members, Q2 2026
- 359,136
- Net worth ratio, Q2 2026
- 9.03%
- Latest call report
- Q2 2026, NCUA 5300 · GreenState Credit Union call report
- Asset rank in state
- 1st of 65 in Iowa
- Routing number
- 273975098
- Branches
- 34
It has 32,833 fewer members than on June 30, 2025 (-8.4%). Its net worth ratio was down 0.28 percentage points from 9.31% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.07B of $9.39B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.24% is above the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 9.03% net worth ratio is below that band's 10.42% median.
Frequently asked about GreenState Credit Union
How big is GreenState Credit Union?
At Q2 2026 it reported total assets of $10.95B and 359,136 members.
Where is GreenState Credit Union headquartered?
It is headquartered in North Liberty, IA, United States.
When was GreenState Credit Union founded?
It was established in 1938, per NCUA records.
Is GreenState Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60269): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates GreenState Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is GreenState Credit Union well capitalized?
Its net worth ratio was 9.03% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is GreenState Credit Union's delinquency ratio?
Its delinquency ratio was 1.24% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is GreenState Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 107.73% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- North Liberty, IA 52317
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1938
- NCUA Charter #
- 60269
- RSSD ID
- 225698
- Members
- 359,136
- Potential members
- 7,180,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 6.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 9.03% | 10.42% | under 10th bottom |
| Return on assets Middle half of peers: 0.59% to 1.31% | 0.47% | 0.97% | under 10th bottom |
| Return on equity Middle half of peers: 6.05% to 14.24% | 5.20% | 9.50% | under 10th bottom |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 2.50% | 3.17% | under 10th bottom |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 73.83% | 61.32% | 17th bottom |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 2.73% | 1.88% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 1.24% | 0.91% | 27th below |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 5.23% | 5.07% | 64th position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 107.73% | 89.87% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.95B total assets against $10.74B; $8.71B total shares and deposits against $8.51B; $9.39B total loans against $9.28B.
$988.0M net worth against $1.00B.
9.03% net worth ratio against 9.31%.
107.73% loan-to-share ratio against 109.04%.
1.24% delinquency ratio against 2.08%.
0.47% return on assets against 0.27%; 5.20% return on equity against 2.89%.
2.50% net interest margin against 2.10%.
359,136 members against 391,969.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.03% | 0.47% | 1.24% | 107.73% |
| March 31, 2026 | 8.71% | 0.59% | 1.26% | 104.13% |
| December 31, 2025 | 8.70% | -0.61% | 1.26% | 106.60% |
| September 30, 2025 | 9.25% | 0.13% | 2.08% | 110.54% |
| June 30, 2025 | 9.31% | 0.27% | 2.08% | 109.04% |
| March 31, 2025 | 9.23% | 0.32% | 2.05% | 105.30% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.