Genco

Waco, TX · 1 · Charter #8585 · www.gencofcu.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
$480.5M
55th percentile
Members
38,527
72th percentile
Total loans
$233.1M
32th percentile
Total shares
$412.0M
55th percentile

Profitability

Return on assets
1.92%
94th percentile
Net interest margin
3.40%
44th percentile
Efficiency ratio
50.11%
81th percentile
Non-interest income ratio
27.40%
88th percentile

Capital & Risk

Net worth ratio
13.68%
83th percentile
Delinquency rate
0.37%
82th percentile
Net charge-off rate
0.55%
36th percentile
Loan-to-share
56.57%
9th percentile

Growth

Member growth YoY
-1.72%
26th percentile
Asset growth YoY
6.50%
62th percentile
Loan growth YoY
3.59%
47th percentile
Share growth YoY
5.57%
59th percentile

Operations

Members / branch
7,705
86th percentile
Assets / member
$12,471
15th percentile
Field of membership penetration
14.27%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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