GENERATIONS
Charter #23156 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
GENERATIONS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,498
+0.9% YoY+0.1% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
40th in tier |
| Assets |
$11.7M
-2.6% YoY-2.4% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$6.9M
-4.3% YoY-2.0% QoQ
|
$-8.9M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
41st in tier |
| Deposits |
$10.1M
-4.5% YoY-3.4% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
1.3%
+56.8% YoY+39.9% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
74th in tier |
| NIM |
4.5%
+26.1% YoY+5.1% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
74th in tier |
| Efficiency Ratio |
68.9%
-11.5% YoY-1.9% QoQ
|
-12.4% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
30th in tier |
| Delinquency Rate |
0.1%
-87.9% YoY-74.4% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.7% in tier |
| Loan To Share |
68.1%
+0.2% YoY+1.5% QoQ
|
+6.8% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
60th in tier |
| AMR |
$11,351
-5.3% YoY-3.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
36th in tier |
| CD Concentration |
2.5%
-68.3% YoY+92.9% QoQ
|
-21.9% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
615
Total Delinquency Rate (60+ days)
risk
Value:
0.14%
Peer Avg: 1.51%
#615 of 2596
Top 23.7% in <100M tier
632
Member Growth Rate
growth
Value:
0.94%
Peer Avg: 14.92%
#632 of 2596
Top 24.3% in <100M tier
Top Weaknesses (3 metrics)
2167
AMR Growth Rate
growth
Value:
-5.35%
Peer Avg: 4.67%
#2167 of 2596
Bottom 16.6% in <100M tier
2101
Deposit Growth Rate
growth
Value:
-4.53%
Peer Avg: 16.80%
#2101 of 2596
Bottom 19.1% in <100M tier
1981
Asset Growth Rate
growth
Value:
-2.57%
Peer Avg: 1.82%
#1981 of 2596
Bottom 23.7% in <100M tier