# GREENVILLE
Greenville, SC · NCUA charter 19116 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greenville-19116

Who the members are: federal charter, community charter, organized 1968, low-income designated. 35,393 members of 570,745 potential (6.2% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $510.6M |
| Members | 35,393 (2.0% YoY) |
| Full-time staff | 99 |
| Net worth | $55.5M |
| Net worth ratio | 10.9% (p59 of band) |
| ROA (annualized) | 1.04% (p75 of band) |
| Total delinquency | 0.31% (p24 of band) |
| Net charge-offs (annualized) | 0.30% (p38 of band) |
| Loans / shares | 79% (p43 of band) |
| Cash / assets | 17.8% |
| Borrowings / assets | 1.96% |
| Net interest margin | 3.63% (p65 of band) |
| Operating expense / assets | 4.00% (p70 of band) |
| Vehicles % of loans | 15% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p7 of band) |
| Vehicle delinquency | 0.28% (p21 of band) |
| Vehicle NCO | 0.62% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 38% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 240% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 25% |
| Average share balance | $5,850 |
| Participations bought / yr | $7.9M |
| Participations sold / yr | $8.0M |
| Participations outstanding | $34.5M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $21,438 |
| Loans granted, annualized | $99.3M |

## Participation posture (from the same filings)

Bought $7.9M and sold $8.0M in the latest annualized quarter; $34.5M outstanding purchased (62.3% of net worth), $21.4M sold and retained. Sold in 8 and bought in 6 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | margin squeeze |  |
| 2018-06 | 0 |  | margin squeeze |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 2 | margin squeeze |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | thin capital |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze, thin capital |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 2 | thin capital |  |
| 2022-06 | 0 |  | net worth falling, thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 1 | net worth falling |  |
| 2025-03 | 0 |  | net worth falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-01 [Greenville Federal Credit Union Announces Second Building Project of 2026 - Greenville Business Magazine](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNMk41TmtWVHkxWWFxaUNfRHhYM19MamlHMlRTaGM4cmlhb1JpLThRY2UyM05uQ3pnR0JYbWg5RVVCYklrT0NFN0R4djlpSzZwWFJKNkhVZkswRi1NQXB3cEJFel9oaGhON2hDc1ZrRlJoWlZuSlItRGJkRGFla0V2LS1yeEplWXdQUC1nam1sLV93YmJvZG1hYW5uU3N1VGVGemgtNUR5ejRXN19qUW9qa1c1cXQ5NWt3azlUamhuTWFhYnM?oc=5) · Greenville Business Magazine
- 2026-07-08 [Greenville Federal Credit Union announces $9.5M campus expansion - upstate business journal](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNdVFpd3BIN1J2MnpMal9VcW5DV3BPd3JqdVZoZFlIZ1M0cE1yZDFydW9FUVNEbXhlNXBWRHFyRGNPZmkxdF8wLVRaaFBnNk5TS2xnUy1LcHloZG81eE1DdUJESjY2TDVmNG1UdXJ6ZVdUYkxwYVJjbUFpUENJSkd2Tm8xVjMyS3dqeWVJT2Y5N05aTXRQVElJbnl0dW0tRVBQWG1reERHTWFTdw?oc=5) · upstate business journal
- 2026-04-14 [Greenville FCU Building New Branch in Upstate South Carolina - CUTimes](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcUJ1cjd0YlpnOWpVNjB2Z3c0S3J1dVFmZXVHRGo2YUxtZmFwZnk5TjV6ODNVa1N5OE9Ob2pEYklnakg3dzZNWWw0eG1LR2QtRVZFUUs0OEpJZkZkMFRQdFNIWWpUd0tMOEdTUldhUnNFVlBMZnFMNHcySkVBaDhlWHJzRGFLZkx2cUsycXAyaFdaYjNiNTA5NXZaOFI?oc=5) · CUTimes
- 2026-07-07 [Greenville Federal Credit Union expands regional presence with new project - Post and Courier](https://news.google.com/rss/articles/CBMi5AFBVV95cUxONWc4d3EtS2RqRzRWRE5xYXJ4QUc4bHM1cnlOYVpWcUpVbFNZeGg2QUpxUlJ0Vk1XRWlDZVhBOFVjWUR1eE9MVVd6eWRsbHprSExjaVpJOHh4ZEIxRXlpMGdTTVZPRGlHUXBPNjJkcGxka0U1UEhDOVFxTkN2TlBYcEY5dnFhVEI5bEt5eVpvSlFkM3g3N09UTzZIdy1DZmRzWWdpdUJoZHk4djI1V1c3Y182VWpZd0hMUGxCTTdjWkY3Z0tWS29VWjY0dEdTc2VpQlg1NmNvb0hNb1plQS1VT3psamw?oc=5) · Post and Courier
- 2026-03-23 [Family Trust Federal Credit Union celebrates one year in Greenville, supporting local growth and members - CUInsight](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPUDVFVHBkbG0wTDVPZU9MUmlkTXJpWVhPcUVEQ1ZoNFZkbVpHWV9PbnZlVzRaaWhoaGMteHZxVVZPQkNCVUlGbjZBRWpFVmJKbThIUGxpNjVNVDdYSEJITWlKam5GS2psWHBGdkE5ZkNLMExqWlBPUXNFck1TWi1UQWxnWUxtVUI3SzRpSzMwRlBjV1hQb3ZUeDFIUHZ3TUhJczlNSXZBUkZ3bHpiU3VKa0NhdzYyQjQtOHg0dVVUNWluS0RXRy1hWEtXNkc3MTZOLWJXOWRhUDVMWEw2?oc=5) · CUInsight
- 2026-02-25 [Upstate SC credit unions participate in Habitat Greenville build - Greenville Journal](https://news.google.com/rss/articles/CBMiswFBVV95cUxQMzZPNFV4UGIwXzliNU5sM1NiUU5BRVZNQkdoRnBWeUUzQ29rQTktRnozbV9BS3Y2TWtXWkcybV9RaWZIQnEyN2NfS1hic0VpRWpYanRkQkhVZGEtb2ZLMmZJbFFoVkQ5X09RWHNtMk04MUFoX3cyVTc5WjFqYUlYUnR4QkI2SW9uOHAwN05GdlZ0VjNFQ3lvUEMxWWZWOWw0WklkWmFFaVQxRXBWTmpsN0wzMA?oc=5) · Greenville Journal
- 2026-04-09 [Greenville Federal Credit Union to open Berea branch - upstate business journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxNeVpldU5xTFVicGViYm56RmVaWTFGWGlnbU5kaVBJQ3NzU1BEWEFOYzJ5U01LLXFWZDg4b0ZvWEhOZl81R0kyaDlvbGU2Yjc0N2t3alByajl5b3RTR3lOSC1IaWtMWWI3c3hkRzNqRDFJMDNpTlBMVlpTOER1RVlNT2JxQUZ6bjVseFFkYnlBWVJ6WEd2ck9VYVhEVDI?oc=5) · upstate business journal
- 2026-03-18 [Greenville Heritage Federal Credit Union Main Street Friday's coming - Greenville Online](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQaGd0N0FmeDdpWjIyV3g5bVVZM1Y2Z3NReEJFR2Y5VmJTbTR4Y09hcTUyX2xuc2JkVFhpdWpIRW8tUGt6RkxWNTFyZ09GOGJJcVRfNC1ZaTJNNUVKRVJrdDBQWEZEMkZOR0QxVnNKdW5vUmpST1BkZnJhNEVKa1A2X0xFLWRYSW5KdzdGNkJoa0lmb3JodTR2SFQ0b2VnZ3VKRHhWcmp3OGNGUTNMdTN3cGhIanVMOFluUjd3dS1ja29nci16aWlQaHRSVVFCYld2NE1FYW5B?oc=5) · Greenville Online

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=19116 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "19116", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=19116
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide