Generations Community

San Antonio, TX · 1 · Charter #4015 · www.mygenfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$738.6M
82th percentile
Members
47,191
84th percentile
Total loans
$546.2M
84th percentile
Total shares
$528.2M
70th percentile

Profitability

Return on assets
-0.30%
2th percentile
Net interest margin
3.22%
34th percentile
Efficiency ratio
65.09%
25th percentile
Non-interest income ratio
28.31%
90th percentile

Capital & Risk

Net worth ratio
9.16%
19th percentile
Delinquency rate
0.80%
41th percentile
Net charge-off rate
0.73%
23th percentile
Loan-to-share
103.41%
94th percentile

Growth

Member growth YoY
-0.17%
41th percentile
Asset growth YoY
-0.77%
11th percentile
Loan growth YoY
-1.13%
20th percentile
Share growth YoY
-1.10%
9th percentile

Operations

Members / branch
6,742
79th percentile
Assets / member
$15,651
46th percentile
Field of membership penetration
1.72%
25th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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