Generations

Rockford, IL · 2 · Charter #60429 · www.generationscu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$22.6M
66th percentile
Members
2,099
68th percentile
Total loans
$10.0M
66th percentile
Total shares
$18.6M
66th percentile

Profitability

Return on assets
0.75%
48th percentile
Net interest margin
3.77%
42th percentile
Efficiency ratio
68.97%
45th percentile
Non-interest income ratio
14.55%
67th percentile

Capital & Risk

Net worth ratio
15.78%
55th percentile
Delinquency rate
0.19%
72th percentile
Net charge-off rate
0.39%
39th percentile
Loan-to-share
53.65%
40th percentile

Growth

Member growth YoY
-3.09%
32th percentile
Asset growth YoY
0.46%
45th percentile
Loan growth YoY
-6.71%
34th percentile
Share growth YoY
-0.91%
41th percentile

Operations

Members / branch
1,050
48th percentile
Assets / member
$10,788
63th percentile
Field of membership penetration
0.39%
2th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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