GENISYS

Charter #68536 | MI

5B-7B (34 CUs) Large (64 CUs)
2 5B-7B in MI

GENISYS has 11 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.7% in tier
  • + Emerging Performer: Top 1.2% in tier
  • + Wallet Share Momentum: Top 1.7% in tier
  • + Organic Growth Leader: Top 3.6% in tier
  • + Relationship Depth Leader: Top 7.7% in tier
  • + ROA 0.93% above tier average
  • + Net Interest Margin 0.24% above tier average
  • + Loan Growth Rate: Top 0.0% in tier
  • + Net Worth Ratio: Top 0.0% in tier
  • + Efficiency Ratio: Top 2.9% in tier
  • + AMR Growth Rate: Top 2.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.7% in tier
  • - Liquidity Overhang: Bottom 20.0% in tier
  • - Delinquency rate 0.40% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 294,382
+5.0% YoY-0.0% QoQ
 +4.7K 289,724
-2.8% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 47th in tier
Assets $5.8B
+10.1% YoY+2.4% QoQ
 +$9.9M $5.8B
+0.2% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 56th in tier
Loans $4.6B
+23.6% YoY+6.3% QoQ
 +$517.1M $4.1B
-3.1% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $4.8B
+12.2% YoY+2.1% QoQ
 $-100.6M $4.9B
+2.2% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 50th in tier
ROA 1.7%
+0.6% YoY+3.4% QoQ
 +0.9% 0.8%
+15.5% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 Top 5.9% in tier
NIM 3.1%
+16.9% YoY+1.9% QoQ
 +0.2% 2.9%
+3.9% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 41.0%
-1.4% YoY-1.1% QoQ
 -27.1% 68.1%
-1.7% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 Bottom 2.9% in tier
Delinquency Rate 1.0%
-4.0% YoY-6.4% QoQ
 +0.4 0.6%
-2.2% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Top 11.8% in tier
Loan To Share 96.1%
+10.1% YoY+4.1% QoQ
 +12.4% 83.6%
-5.7% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Top 17.6% in tier
AMR $31,888
+11.9% YoY+4.2% QoQ
 $-3K $34,398
+4.0% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 40.0%
+6.8% YoY+3.0% QoQ
 +11.2% 28.9%
-1.3% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Top 14.1% in tier
Indirect Auto % 11.2%
-10.0% YoY-6.2% QoQ
 -5.4% 16.6%
-10.3% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 39th in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth
#2 of 50 • Top 0.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.97%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 1.73%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 11.17%
(Tier: 16.60%, National: 7.90%)
better than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY

Emerging Performer

growth
#2 of 31 • Top 1.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.73%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.97%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

Wallet Share Momentum

growth
#3 of 46 • Top 1.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 11.95%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Leader

growth
#4 of 28 • Top 3.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.97%
(Tier: 3.07%, National: 9.37%)
better than tier avg
28 of 64 Large CUs have this signature | 608 nationally
→ Stable (28→28 CUs) | Rank improving

Relationship Depth Leader

growth
#10 of 46 • Top 7.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 11.95%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY

Concerns (2)

Liquidity Strain

risk
#5 of 32 • Bottom 4.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 96.08%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 23.55%
(Tier: 4.99%, National: 36.38%)
but better than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY | New qualifier

Liquidity Overhang

risk
#12 of 24 • Bottom 20.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.14%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 96.08%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY | Rank worsening

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)

Comparing against 34 peers in tier

Top Strengths (11 metrics)

1
Loan Growth Rate
growth
Value: 23.55%
Peer Avg: 5.95%
#1 of 34 Top 0.0% in 5B-7B tier
1
Net Worth Ratio
risk
Value: 16.14%
Peer Avg: 10.96%
#1 of 34 Top 0.0% in 5B-7B tier
2
Return on Assets (ROA)
profitability
Value: 1.73%
Peer Avg: 0.80%
#2 of 34 Top 2.9% in 5B-7B tier
2
Efficiency Ratio
profitability
Value: 41.03%
Peer Avg: 68.13%
#2 of 34 Top 2.9% in 5B-7B tier
2
AMR Growth Rate
growth
Value: 11.95%
Peer Avg: 3.75%
#2 of 34 Top 2.9% in 5B-7B tier
6
Asset Growth Rate
growth
Value: 10.11%
Peer Avg: 6.10%
#6 of 34 Top 14.7% in 5B-7B tier
6
Loan-to-Share Ratio
balance_sheet
Value: 96.08%
Peer Avg: 83.64%
#6 of 34 Top 14.7% in 5B-7B tier
7
Members Per Employee (MPE)
engagement
Value: 516.460
Peer Avg: 430.688
#7 of 34 Top 17.6% in 5B-7B tier
8
Member Growth Rate
growth
Value: 4.97%
Peer Avg: 3.26%
#8 of 34 Top 20.6% in 5B-7B tier
8
Deposit Growth Rate
growth
Value: 12.24%
Peer Avg: 8.13%
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (2 metrics)

31
Total Delinquency Rate (60+ days)
risk
Value: 1.02%
Peer Avg: 0.62%
#31 of 34 Bottom 11.8% in 5B-7B tier
30
Share Certificate Concentration (%)
balance_sheet
Value: 40.02%
Peer Avg: 30.59%
#30 of 34 Bottom 14.7% in 5B-7B tier