Credit Union Safety Analysis
Is GreenState Credit Union Safe? North Liberty, Iowa
Based on its Q2 2026 NCUA 5300 call report, GreenState Credit Union has a net worth ratio of 9.03%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.24%, 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, GreenState Credit Union's net worth ratio is 9.03%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.03%
- Delinquency ratio (60+ days) (Q2 2026): 1.24%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 107.73%
GreenState Credit Union (NCUA charter 60269, established 1938) reported $10.95B in assets and 359,136 members for Q2 2026 from North Liberty, Iowa. It is the largest of 65 credit unions in Iowa by total assets. Total assets grew 1.9% from $10.74B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 8.71% for Q1 2026; 9.31% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 1.26% for Q1 2026; 2.08% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.59% for Q1 2026; 0.27% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 104.13% for Q1 2026; 109.04% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $5.07B
- Commercial loans: $2.73B
- Used vehicle loans: $739.8M
- New vehicle loans: $376.2M
- Unsecured credit card loans: $291.3M
- Other unsecured loans and lines of credit: $110.9M
- Other secured non-real estate loans and lines of credit: $59.5M
- Non-federally guaranteed student loans: $4.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.95B | 9.03% | 1.24% | 0.47% | 107.73% |
| March 31, 2026 | $11.19B | 8.71% | 1.26% | 0.59% | 104.13% |
| December 31, 2025 | $11.16B | 8.70% | 1.26% | -0.61% | 106.60% |
| September 30, 2025 | $10.84B | 9.25% | 2.08% | 0.13% | 110.54% |
| June 30, 2025 | $10.74B | 9.31% | 2.08% | 0.27% | 109.04% |
| March 31, 2025 | $10.75B | 9.23% | 2.05% | 0.32% | 105.30% |
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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.
GreenState Credit Union profile
Regulator records: NCUA credit union profile (charter 60269) · FFIEC NIC profile (RSSD 225698)
Frequently asked questions
Is GreenState Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, GreenState Credit Union's net worth ratio is 9.03%, above the 7% NCUA threshold for well capitalized.
Is GreenState Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. GreenState Credit Union is a federally insured credit union (NCUA charter 60269): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are GreenState Credit Union's key safety ratios?
For Q2 2026, GreenState Credit Union reports net worth 9.03%, delinquency 1.24%, ROA 0.47%, loan-to-share 107.73%.
What happens to my money if GreenState Credit Union fails?
For Q2 2026, GreenState Credit Union held $8.71B in shares and deposits for 359,136 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.