GENERATIONS UNITED
Charter #24947 | NY
<100M
(2596 CUs)
Micro
($0-$500M)
188 <100M in NY
GENERATIONS UNITED has 12 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
- + Strong member growth: 656.7% YoY
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + AMR Growth Rate: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.1% in tier
- + Net Worth Ratio: Top 0.7% in tier
- + Asset Growth Rate: Top 2.0% in tier
- + Loan-to-Share Ratio: Top 2.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 21.98% below tier average
- - Efficiency ratio 461.79% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 5.4% in tier
- - Total Deposits: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
227
+656.7% YoY+114.2% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
Bottom 5.4% in tier |
| Assets |
$6.5M
+19.1% YoY+11.7% QoQ
|
$-23.3M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 24.1% in tier |
| Loans |
$1.6M
+151541.2% YoY+49.2% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.4% in tier |
| Deposits |
$1.5M
+39953.5% YoY+140.2% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
Bottom 9.9% in tier |
| ROA |
-21.3%
+154.5% YoY-11.2% QoQ
|
-22.0% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.2% in tier |
| NIM |
4.4%
-9.6% YoY-6.2% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
543.2%
+101.1% YoY-8.2% QoQ
|
+461.8% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.4% in tier |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 23.4% in tier |
| Loan To Share |
106.1%
+278.6% YoY-37.9% QoQ
|
+44.9% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 2.3% in tier |
| AMR |
$13,898
+8421.4% YoY-14.6% QoQ
|
$-728 |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
51st in tier |
| CD Concentration |
24.4%
+86.3% YoY+4.5% QoQ
|
-0.0% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.6%
-3.7% 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 (12 metrics)
1
Loan Growth Rate
growth
Value:
151541.18%
Peer Avg: 59.01%
#1 of 2596
Top 0.0% in <100M tier
1
Deposit Growth Rate
growth
Value:
39953.53%
Peer Avg: 16.80%
#1 of 2596
Top 0.0% in <100M tier
1
AMR Growth Rate
growth
Value:
8421.36%
Peer Avg: 4.67%
#1 of 2596
Top 0.0% in <100M tier
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
4
Member Growth Rate
growth
Value:
656.67%
Peer Avg: 14.92%
#4 of 2596
Top 0.1% in <100M tier
19
Net Worth Ratio
risk
Value:
56.55%
Peer Avg: 16.43%
#19 of 2596
Top 0.7% in <100M tier
53
Asset Growth Rate
growth
Value:
19.05%
Peer Avg: 1.82%
#53 of 2596
Top 2.0% in <100M tier
55
Loan-to-Share Ratio
balance_sheet
Value:
106.09%
Peer Avg: 61.23%
#55 of 2596
Top 2.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (7 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: 365.701
#2596 of 2596
Bottom 0.0% in <100M tier
2591
Return on Assets (ROA)
profitability
Value:
-21.30%
Peer Avg: 0.68%
#2591 of 2596
Bottom 0.2% in <100M tier
2587
Efficiency Ratio
profitability
Value:
543.19%
Peer Avg: 81.39%
#2587 of 2596
Bottom 0.4% in <100M tier
2457
Total Members
engagement
Value:
227
Peer Avg: 2,626
#2457 of 2596
Bottom 5.4% in <100M tier
2340
Total Deposits
balance_sheet
Value:
$1.53M
Peer Avg: $25.45M
#2340 of 2596
Bottom 9.9% in <100M tier
2196
Total Loans
balance_sheet
Value:
$1.62M
Peer Avg: $15.77M
#2196 of 2596
Bottom 15.4% in <100M tier
1970
Total Assets
balance_sheet
Value:
$6.53M
Peer Avg: $29.86M
#1970 of 2596
Bottom 24.2% in <100M tier