BlastPoint's Credit Union Scorecard
GENERATIONS COMMUNITY
Charter #4015 · TX
GENERATIONS COMMUNITY has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 5.5% in tier
- + Fee Income Per Member: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 9.4% in tier
- - Efficiency Drag: Bottom 14.6% in tier
- - Capital Constraint: Bottom 27.4% in tier
- - Credit Quality Pressure: Bottom 30.9% in tier
- - Stagnation Risk: Bottom 59.7% in tier
- - Accelerating Exit Risk: Bottom 59.7% in tier
- - Membership Headwinds: Bottom 59.7% in tier
- - Shrinking Wallet Share: Bottom 93.8% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 16 that size in Texas.
- Shares and deposits -3.5% year over year ($617M in shares and deposits).
- Membership: 46,880 members, -0.6% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 0.37%.
- Efficiency ratio 88.13% vs a 76.56% peer average.
- Loan-to-share ratio 85.62% vs a 79.33% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,880
-0.6% YoY-0.7% QoQ
|
+9.0K |
37,897
-5.0% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$734.6M
-1.6% YoY-2.1% QoQ
|
+$112.2M |
$622.4M
+0.6% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 6.1% in tier |
| Loans |
$528.4M
-4.7% YoY-0.0% QoQ
|
+$99.9M |
$428.5M
-0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
84% |
| Deposits |
$617.1M
-3.5% YoY-1.2% QoQ
|
+$77.4M |
$539.8M
+0.9% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.4%
+15.5% QoQ
|
-0.4% |
0.8%
+39.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.4%
+6.6% YoY+2.4% QoQ
|
-0.2% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
88.1%
-3.6% YoY-1.4% QoQ
|
+11.6% |
76.6%
-3.6% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.9%
+21.2% YoY+29.4% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
85.6%
-1.2% YoY+1.2% QoQ
|
+6.3% |
79.3%
-1.4% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$24,434
-3.5% YoY-0.0% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
19.2%
+2.9% YoY+2.2% QoQ
|
-5.4% | 24.6% | 21.6% | 20.0% | 30% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (0)
Concerns (9)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
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)