GENERATIONS COMMUNITY
Charter #4015 | TX
500M-750M
(169 CUs)
Community
($500M-$1B)
(281 CUs)
16 500M-750M in TX
GENERATIONS COMMUNITY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.0% in tier
- + Fee Income Per Member: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.4% in tier
- - ROA 0.74% below tier average
- - Efficiency ratio 13.44% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,175
0% YoY0% QoQ
|
+7.4K |
39,752
-2.7% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 21.3% in tier |
| Assets |
$745.2M
-1.8% YoY-0.2% QoQ
|
+$122.8M |
$622.4M
+0.3% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 3.6% in tier |
| Loans |
$555.4M
-0.7% YoY+0.2% QoQ
|
+$119.5M |
$435.9M
-0.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 10.7% in tier |
| Deposits |
$626.7M
+0.5% YoY-2.0% QoQ
|
+$88.7M |
$538.0M
+1.3% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 10.7% in tier |
| ROA |
-0.1%
-56.7% YoY+63.4% QoQ
|
-0.7% |
0.7%
+33.9% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.7% in tier |
| NIM |
3.1%
+2.4% YoY+0.1% QoQ
|
-0.3% |
3.4%
+8.6% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
91.5%
-1.0% YoY+0.1% QoQ
|
+13.4% |
78.1%
-3.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 8.3% in tier |
| Delinquency Rate |
0.7%
-7.4% YoY-0.5% QoQ
|
-0.1 |
0.8%
-4.9% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
54th in tier |
| Loan To Share |
88.6%
-1.3% YoY+2.3% QoQ
|
+7.6% |
81.0%
-1.8% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$25,059
-0.1% YoY-1.0% QoQ
|
$-1K |
$26,482
+2.6% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
50th in tier |
| CD Concentration |
19.3%
+3.1% YoY+3.9% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
32nd in tier |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Drag
risk
#8 of 521 • Bottom 0.4% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
91.53%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.10% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
0.00%
(Tier:
0.88%, National:
9.37%)
521 of 281 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank improving
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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 16.19%
#1 of 169
Top 0.0% in 500M-750M tier
6
Total Assets
balance_sheet
Value:
$745.23M
Peer Avg: $622.38M
#6 of 169
Top 3.0% in 500M-750M tier
10
Fee Income Per Member
profitability
Value:
$326.52
Peer Avg: $199.27
#10 of 169
Top 5.3% in 500M-750M tier
18
Total Loans
balance_sheet
Value:
$555.43M
Peer Avg: $435.95M
#18 of 169
Top 10.1% in 500M-750M tier
18
Total Deposits
balance_sheet
Value:
$626.75M
Peer Avg: $538.02M
#18 of 169
Top 10.1% in 500M-750M tier
34
Share Certificate Concentration (%)
balance_sheet
Value:
19.34%
Peer Avg: 26.87%
#34 of 169
Top 19.5% in 500M-750M tier
36
Total Members
engagement
Value:
47,175
Peer Avg: 39,752
#36 of 169
Top 20.7% in 500M-750M tier
Top Weaknesses (8 metrics)
161
Return on Assets (ROA)
profitability
Value:
-0.08%
Peer Avg: 0.66%
#161 of 169
Bottom 5.3% in 500M-750M tier
156
Efficiency Ratio
profitability
Value:
91.53%
Peer Avg: 78.10%
#156 of 169
Bottom 8.3% in 500M-750M tier
144
Asset Growth Rate
growth
Value:
-1.85%
Peer Avg: 4.33%
#144 of 169
Bottom 15.4% in 500M-750M tier
134
Deposit Growth Rate
growth
Value:
0.54%
Peer Avg: 5.25%
#134 of 169
Bottom 21.3% in 500M-750M tier
133
Net Worth Ratio
risk
Value:
9.05%
Peer Avg: 10.94%
#133 of 169
Bottom 21.9% in 500M-750M tier
131
Net Charge-Off Rate
risk
Value:
0.74%
Peer Avg: 0.51%
#131 of 169
Bottom 23.1% in 500M-750M tier
130
AMR Growth Rate
growth
Value:
-0.07%
Peer Avg: 3.12%
#130 of 169
Bottom 23.7% in 500M-750M tier
128
Loan Growth Rate
growth
Value:
-0.74%
Peer Avg: 4.04%
#128 of 169
Bottom 24.9% in 500M-750M tier