BlastPoint's Credit Union Scorecard
GENERATIONS UNITED
Charter #24947 · NY
GENERATIONS UNITED has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 4.83% above tier average
- + Net Interest Margin 0.25% above tier average
- + Strong member growth: 151.9% YoY
- + Deposit Growth Rate: Top 0.1% in tier
- + Member Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Loan-to-Share Ratio: Top 0.3% in tier
- + Asset Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 156.15% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Total Members: Bottom 6.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +284.6% year over year ($2.5M in shares and deposits).
- Membership: 267 members, +151.9% vs a year ago.
- Delinquency rate 0.83%.
- Return on assets 6.32%.
- Efficiency ratio 244.92% vs a 88.77% peer average.
- Loan-to-share ratio 132.06% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
267
+151.9% YoY+1.1% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Bottom 6.9% in tier |
| Assets |
$7.0M
+20.3% YoY+1.6% QoQ
|
$-23.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$3.2M
+197.4% YoY+26.5% QoQ
|
$-12.2M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$2.5M
+284.6% YoY+8.2% QoQ
|
$-23.4M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
6.3%
-126.3% YoY-191.7% QoQ
|
+4.8% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 1.2% in tier |
| NIM |
4.1%
-12.1% YoY+6.3% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
244.9%
-58.6% YoY-4.4% QoQ
|
+156.2% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
0.8%
-56.4% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
132.1%
-22.7% YoY+16.9% QoQ
|
+73.2% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.4% in tier |
| AMR |
$21,304
+30.9% YoY+16.6% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
29.5%
+26.4% YoY+5.7% QoQ
|
+4.9% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)