Civic Intelligence

Greenwood Credit Union Inc

EIN 05-0254228 • 501(c)14 • Warwick, RI

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Profile

The credit union is an association owned by its member depositors. Interest income from loans and investments allow the credit union to provide low cost financial services to its members.

2700 Post RoadWarwick, RI 02886

www.greenwoodcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

62nd percentile

0.91x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

46th percentile

14.66x

Higher debt load relative to revenue than 46% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

52nd percentile

9.2%

Higher net margin than 52% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

91st percentile

$793,042

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

27th percentile

-0.4%

Faster asset growth than 27% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

85th percentile

23%

Faster revenue growth than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$865,510,015

Down $3,072,147 (-0.4%) from 2023

Liabilities

Down

$786,235,714

Down $8,005,152 (-1.0%) from 2023

Net Assets

Up

$79,274,301

Up $4,933,005 (+6.6%) from 2023

Operations
Liabilities / Revenue46th percentileNet Margin52nd percentile

Revenue

Up

$53,648,132

Up $10,043,273 (+23%) from 2023

Expenses

Up

$48,715,127

Up $9,149,545 (+23%) from 2023

Net Income

Up

$4,933,005

Up $893,728 (+22%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0B$500M$0Assets 2010: $291,383,762Liabilities 2010: $264,815,760Net Assets 2010: $26,568,0022010Assets 2011: $327,734,798Liabilities 2011: $298,139,100Net Assets 2011: $29,595,6982011Assets 2012: $359,032,840Liabilities 2012: $326,136,538Net Assets 2012: $32,896,3022012Assets 2013: $387,499,463Liabilities 2013: $352,532,677Net Assets 2013: $34,966,7862013Assets 2014: $411,192,226Liabilities 2014: $374,183,469Net Assets 2014: $37,008,7572014Assets 2015: $427,424,983Liabilities 2015: $388,276,437Net Assets 2015: $39,148,5462015Assets 2016: $456,261,334Liabilities 2016: $414,966,124Net Assets 2016: $41,295,2102016Assets 2017: $496,810,470Liabilities 2017: $453,639,939Net Assets 2017: $43,170,5312017Assets 2018: $552,002,117Liabilities 2018: $505,449,434Net Assets 2018: $46,552,6832018Assets 2019: $580,210,494Liabilities 2019: $530,691,175Net Assets 2019: $49,519,3192019Assets 2020: $649,024,883Liabilities 2020: $595,279,543Net Assets 2020: $53,745,3402020Assets 2021: $681,592,383Liabilities 2021: $619,099,617Net Assets 2021: $62,492,7662021Assets 2022: $792,476,276Liabilities 2022: $721,297,579Net Assets 2022: $71,178,6972022Assets 2023: $868,582,162Liabilities 2023: $794,240,866Net Assets 2023: $74,341,2962023Assets 2024: $865,510,015Liabilities 2024: $786,235,714Net Assets 2024: $79,274,3012024

Highlighted filing

2024

Assets$865,510,015
Liabilities$786,235,714
Net Assets$79,274,301
Open 2024 Filing

Operations Trend

Revenue Growth85th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Expenses 2010: $13,792,1742010Expenses 2011: $13,060,4522011Expenses 2012: $12,962,5382012Revenue 2013: $15,089,658Expenses 2013: $13,019,174Net Income 2013: $2,070,4842013Revenue 2014: $15,207,043Expenses 2014: $13,165,072Net Income 2014: $2,041,9712014Revenue 2015: $15,828,563Expenses 2015: $13,688,774Net Income 2015: $2,139,7892015Revenue 2016: $16,527,530Expenses 2016: $14,380,866Net Income 2016: $2,146,6642016Revenue 2017: $17,370,931Expenses 2017: $15,495,610Net Income 2017: $1,875,3212017Revenue 2018: $21,957,921Expenses 2018: $18,575,769Net Income 2018: $3,382,1522018Revenue 2019: $26,854,337Expenses 2019: $23,887,701Net Income 2019: $2,966,6362019Revenue 2020: $30,056,335Expenses 2020: $25,830,314Net Income 2020: $4,226,0212020Revenue 2021: $32,311,818Expenses 2021: $23,564,392Net Income 2021: $8,747,4262021Revenue 2022: $35,042,007Expenses 2022: $26,356,076Net Income 2022: $8,685,9312022Revenue 2023: $43,604,859Expenses 2023: $39,565,582Net Income 2023: $4,039,2772023Revenue 2024: $53,648,132Expenses 2024: $48,715,127Net Income 2024: $4,933,0052024

Highlighted filing

2024

Revenue$53,648,132
Expenses$48,715,127
Net Income$4,933,005
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$865,510,015
Liabilities
$786,235,714
Net assets
$79,274,301
Revenue
$53,648,132
Expenses
$48,715,127
Net income
$4,933,005
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$866$786$79.3$53.6$48.7$4.93
2023Detailed filing. Detailed filing data is available for this year.$869$794$74.3$43.6$39.6$4.04
2022Detailed filing. Detailed filing data is available for this year.$792$721$71.2$35.0$26.4$8.69
2021Detailed filing. Detailed filing data is available for this year.$682$619$62.5$32.3$23.6$8.75
2020Detailed filing. Detailed filing data is available for this year.$649$595$53.7$30.1$25.8$4.23
2019Detailed filing. Detailed filing data is available for this year.$580$531$49.5$26.9$23.9$2.97
2018Detailed filing. Detailed filing data is available for this year.$552$505$46.6$22.0$18.6$3.38
2017Detailed filing. Detailed filing data is available for this year.$497$454$43.2$17.4$15.5$1.88
2016Detailed filing. Detailed filing data is available for this year.$456$415$41.3$16.5$14.4$2.15
2015Detailed filing. Detailed filing data is available for this year.$427$388$39.1$15.8$13.7$2.14
2014Detailed filing. Detailed filing data is available for this year.$411$374$37.0$15.2$13.2$2.04
2013Detailed filing. Detailed filing data is available for this year.$387$353$35.0$15.1$13.0$2.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$359$326$32.9$13.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$328$298$29.6$13.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$291$265$26.6$13.8
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 3, 2025
Return Version
2024v5.0
Gross Receipts
$53,648,132
Mission and Program Overview

Mission

The credit union is an association owned by its member depositors. Interest income from loans and investments allow the credit union to provide low cost financial services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$755,387,408$757,962,481▲ $2,575,073
Rtn Earn Endowment Incm Other Fnds$74,341,296$79,274,301▲ $4,933,005
Savings and Temporary Cash Investments$13,783,000$22,450,000▲ $8,667,000
Land, Buildings, and Equipment, Net$13,970,414$13,862,970▼ $107,444
Investments Other Securities$14,072,636$12,978,936▼ $1,093,700
Investments in Publicly Traded Securities$7,499,792--
Cash and Non-Interest-Bearing Accounts$7,184,205$4,241,062▼ $2,943,143
Prepaid Expenses and Deferred Charges$3,389,744$3,431,629▲ $41,885
Total Assets$868,582,162$865,510,015▼ $3,072,147
Other Assets Total$53,294,963$50,582,937▼ $2,712,026
Liabilities
Other Liabilities$788,999,235$780,838,908▼ $8,160,327
Accounts Payable and Accrued Expenses$3,683,752$4,034,937▲ $351,185
Escrow Account Liability$1,557,879$1,361,869▼ $196,010
Total Liabilities$794,240,866$786,235,714▼ $8,005,152
Net Assets / Fund Balance
Total Net Assets Fund Balance$74,341,296$79,274,301▲ $4,933,005
Total Liabilities and Net Assets / Fund Balance$868,582,162$865,510,015▼ $3,072,147

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,608,157$4,408,339-
Other Land Buildings$360,888$1,387,401-
Land$316,913--
Equipment$577,012$4,176,022-
Other Assets Org$17,672--
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Frederick ReinhardtCEOFT$350,224$442,818$793,042
Andrew BrownCFOFT$201,614$114,035$292,742
Holly FerraraSenior VP/clFT$236,348$35,257$271,605
Holly FerraraSenior VP/CLO-$199,148$72,324$271,605
Jennifer LafranceSVP/COOFT$201,182$60,722$262,864
Theresa BrophySVP, Human RFT$148,095$29,762$177,857
Theresa BrophySVP, Human Resources-$129,095$26,948$177,857
Marianne VarattaDirectorFT$32,025$12,087$44,112
Karen Sd Grande EsqChairperson/PT$29,000-$29,000
Sandra PowellBoard Secret-$24,200-$24,200
Philip SlocumVice Chair/d-$23,500-$23,500
Michael TikoianBoard Treasu-$18,200-$18,200
Brian McguirkDirector-$16,400-$16,400
Carrie Bridges FelizDirector-$13,900-$13,900
Ross NelsonDirector-$12,300-$12,300

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservSoftwarePO BOX 934057, 444 WESTMINSTER ST, Atlanta, GA 31193$2,051,398
Blue CrossHealth InsurancPO BOX 1057, Providence, RI 02901$1,135,582
Aero Mechanical INCGen Contractor10 LEAH STREET, Johnston, RI 02919$256,724
City Of WarwickRe TaxesPO BOX 981027, Boston, MA 02298$236,453
Cyberstate Resources INCIt Services63 BLEACHERY CT, Warwick, RI 02886$204,868
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$51,196,177
Investment Income
$2,451,955
Other Revenue
$0
Change in Net Assets
$4,933,005

Audited Revenue Reconciliation

Revenue per Audited Statements
$53,648,132
Total Revenue per Audited Statements
$53,648,132
Total Revenue per Form 990
$53,648,132
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$39,510,728
Salaries, Compensation, and Employee Benefits$9,204,399
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$27,555,881
Other Salaries and Wages---$5,650,126
Other Expenses---$2,509,519
Current Officers, Directors, Trustees, and Key Employees---$1,694,644
Occupancy---$1,063,248
Other Employee Benefits---$997,996
Depreciation Depletion---$664,391
Payroll Taxes---$519,814
Pension Plan Contributions---$341,819
Advertising---$145,606
Total Functional Expenses$0$0$0$48,715,127

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$48,715,127
Total Expenses per Audited Statements$48,715,127
Total Expenses per Form 990$48,715,127
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SAVINGS ACCOUNTS$678,557,240
MEMBERS' SHARE ACCOUNTS$94,950,292
Advances - Fhlb$7,331,376
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by its memeber depositors.”

Form 990, Page 6, Part VI, Line 7A

“The board members are elected during annual meetings for the term of 3 years. Vacancy occuring betwen annual meetings is filled by the vote of the majority of the directors. Directors so appointed hold office until next annual meeting. The board elects a chairperson, a president and a vice- president.”

Form 990, Page 6, Part VI, Line 7B

“Members vote for board of directors and on certain matters presented at the annual meeting of the credit union”

Form 990, Page 6, Part VI, Line 11B

“Form 990 is provided to management for approval prior to submission. The board of directors may review the form 990 at the meeting subsequent to the filing date.”

Form 990, Page 6, Part VI, Line 12C

“The supervisory committee monitors the board of directors to assure compliance with credit union policy and adherence to rhode island general law governing credit union operations.”

Form 990, Page 6, Part VI, Line 15A

“The board approves annually the compensation awarded to the ceo of the credit union.”

Form 990, Page 6, Part VI, Line 15B

“The board approves annually the compensation awarded to the ceo of the credit union. Officers and key employee compensation is driven by the budget with the ceo's input.”

Form 990, Page 6, Part VI, Line 19

“The credit union's financial results are posted at the branch on a monthly basis. Policies are available to members upon request.”

Filing and Contact Details

Filer

Filer Name
Greenwood Credit Union Inc
EIN
05-0254228
Phone
4017394600
Address
2700 POST ROAD, WARWICK, RI 02886

Signing Officer

Name
Andrew Brown
Title
CFO
Phone
4015622700
Signed
2025-11-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frederick Reinhardt
Formed
1948
Legal Domicile
Ri
Voting Board Members
9
Independent Board Members
8
Employees
93

Preparer

Firm
Mystic Accounting Group Llp
Address
PO BOX 397, MYSTIC, CT 06355
Preparer
Theodoros Poulopoulos
Phone
8605361040
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Mortgage escrow accounts held for the payments of real estate taxes for municipalities.”

Schedule D, Page 3, Part X

“The organization has adopted the provisions of fasb, accounting standards codification 740, income taxes (740). Asc 740 requires that a tax position be recognized or derecognized based on a "more-likely-than-not" threshold. This applies to positions taken or expected to be taken in a tax return. The organization does not believe its financial statments include, or reflect, any uncertain tax position. Tax years from december 31, 2020 through the current year remain open for examination by the federal and state tax authorities.”

Raw XML AppendixShowing 400 of 486 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ADVANCES - FHLB
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0MORTGAGE ESCROW ACCOUNTS HELD FOR THE PAYMENTS OF REAL ESTATE TAXES FOR MUNICIPALITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS ADOPTED THE PROVISIONS OF FASB, ACCOUNTING STANDARDS CODIFICATION 740, INCOME TAXES (740). ASC 740 REQUIRES THAT A TAX POSITION BE RECOGNIZED OR DERECOGNIZED BASED ON A "MORE-LIKELY-THAN-NOT" THRESHOLD. THIS APPLIES TO POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. THE ORGANIZATION DOES NOT BELIEVE ITS FINANCIAL STATMENTS INCLUDE, OR REFLECT, ANY UNCERTAIN TAX POSITION. TAX YEARS FROM DECEMBER 31, 2020 THROUGH THE CURRENT YEAR REMAIN OPEN FOR EXAMINATION BY THE FEDERAL AND STATE TAX AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0FREDERICK REINHARDT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1ANDREW BROWN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2HOLLY FERRARA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3JENNIFER LAFRANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4THERESA BROPHY
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2SENIOR VP/CLO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3SVP/COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4SVP, HUMAN RESOURCES
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0FREDERICK REINHARDT 0 328,000 0 ANDREW BROWN 0 60,000 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1A BUDGET FOR COMPANION TRAVEL TO CONFERENCES AND SEMINARS IS APPROVED BY THE MEMBERS EACH YEAR AT THE ANNUAL MEETING.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS OWNED BY ITS MEMEBER DEPOSITORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD MEMBERS ARE ELECTED DURING ANNUAL MEETINGS FOR THE TERM OF 3 YEARS. VACANCY OCCURING BETWEN ANNUAL MEETINGS IS FILLED BY THE VOTE OF THE MAJORITY OF THE DIRECTORS. DIRECTORS SO APPOINTED HOLD OFFICE UNTIL NEXT ANNUAL MEETING. THE BOARD ELECTS A CHAIRPERSON, A PRESIDENT AND A VICE- PRESIDENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS VOTE FOR BOARD OF DIRECTORS AND ON CERTAIN MATTERS PRESENTED AT THE ANNUAL MEETING OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS PROVIDED TO MANAGEMENT FOR APPROVAL PRIOR TO SUBMISSION. THE BOARD OF DIRECTORS MAY REVIEW THE FORM 990 AT THE MEETING SUBSEQUENT TO THE FILING DATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE SUPERVISORY COMMITTEE MONITORS THE BOARD OF DIRECTORS TO ASSURE COMPLIANCE WITH CREDIT UNION POLICY AND ADHERENCE TO RHODE ISLAND GENERAL LAW GOVERNING CREDIT UNION OPERATIONS.

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