BlastPoint's Credit Union Scorecard
GENERATIONS UNITED
Charter #24947 · NY
<100M
2508 CUs in <100M nationally
179 in NY
GENERATIONS UNITED has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 325.8% YoY
- + Deposit Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Net Worth Ratio: Top 1.2% in tier
- + Asset Growth Rate: Top 1.8% in tier
- + AMR Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 7.04% below tier average
- - Efficiency ratio 165.44% above tier (higher cost structure)
- - Delinquency rate 0.41% above tier average
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Members: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264
+325.8% YoY+11.4% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
Bottom 6.7% in tier |
| Assets |
$6.9M
+17.6% YoY+2.3% QoQ
|
$-23.3M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$2.6M
+483.9% YoY+31.4% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$2.3M
+301.8% YoY+13.2% QoQ
|
$-23.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.4% in tier |
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| ROA |
-6.9%
-79.9% YoY-65.8% QoQ
|
-7.0% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.2% in tier |
| NIM |
3.9%
-15.7% YoY-6.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
256.1%
-68.6% YoY-53.8% QoQ
|
+165.4% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.9%
-19.4% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
113.0%
+45.3% YoY+16.0% QoQ
|
+54.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 1.2% in tier |
| AMR |
$18,269
+13.1% YoY+9.7% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
27.9%
+17.7% YoY+43.3% QoQ
|
+3.6% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 50% |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
2
Deposit Growth Rate
growth
Value:
301.75%
Peer Median: 0.66%
#2 of 2508
Top 0.1% in <100M tier
3
Loan Growth Rate
growth
Value:
483.91%
Peer Median: -2.36%
#3 of 2508
Top 0.1% in <100M tier
6
Member Growth Rate
growth
Value:
325.81%
Peer Median: -1.37%
#6 of 2508
Top 0.2% in <100M tier
28
Loan-to-Share Ratio
balance_sheet
Value:
112.99%
Peer Median: 58.72%
#28 of 2508
Top 1.1% in <100M tier
31
Net Worth Ratio
risk
Value:
46.62%
Peer Median: 14.28%
#31 of 2508
Top 1.2% in <100M tier
47
Asset Growth Rate
growth
Value:
17.62%
Peer Median: 1.30%
#47 of 2508
Top 1.8% in <100M tier
146
AMR Growth Rate
growth
Value:
13.06%
Peer Median: 1.27%
#146 of 2508
Top 5.8% in <100M tier
227
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,692
Peer Median: $4,923
#227 of 2508
Top 9.0% in <100M tier
Top Weaknesses (9 metrics)
2483
Efficiency Ratio
profitability
Value:
256.07%
Peer Median: 81.45%
#2483 of 2508
Bottom 1.0% in <100M tier
2479
Return on Assets (ROA)
profitability
Value:
-6.89%
Peer Median: 0.61%
#2479 of 2508
Bottom 1.2% in <100M tier
2398
Members Per Employee (MPE)
engagement
Value:
66.000
Peer Median: 333.750
#2398 of 2508
Bottom 4.4% in <100M tier
2339
Total Members
engagement
Value:
264
Peer Median: 1,918
#2339 of 2508
Bottom 6.8% in <100M tier
2198
Total Deposits
balance_sheet
Value:
$2.26M
Peer Median: $18.77M
#2198 of 2508
Bottom 12.4% in <100M tier
2009
Total Delinquency Rate (60+ days)
risk
Value:
1.91%
Peer Median: 0.65%
#2009 of 2508
Bottom 19.9% in <100M tier
1992
Share Certificate Concentration (%)
balance_sheet
Value:
27.87%
Peer Median: 12.45%
#1992 of 2508
Bottom 20.6% in <100M tier
1969
Total Loans
balance_sheet
Value:
$2.56M
Peer Median: $9.48M
#1969 of 2508
Bottom 21.5% in <100M tier
1888
Total Assets
balance_sheet
Value:
$6.93M
Peer Median: $21.86M
#1888 of 2508
Bottom 24.8% in <100M tier