BlastPoint's Credit Union Scorecard
GENCO
Charter #8585 · TX
GENCO has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.10% above tier average
- + Total Assets: Top 0.5% in tier
- + Total Deposits: Top 1.4% in tier
- + Total Members: Top 1.7% in tier
- + Efficiency Ratio: Top 8.8% in tier
- + Total Delinquency Rate (60+ days): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 74 that size in Texas.
- Shares and deposits +4.4% year over year ($422M in shares and deposits).
- Membership: 38,319 members, -1.3% vs a year ago.
- Delinquency rate 0.19%.
- Return on assets 1.96%.
- Efficiency ratio 60.56% vs a 76.73% peer average.
- Loan-to-share ratio 56.54% vs a 71.54% 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 |
38,319
-1.3% YoY-0.1% QoQ
|
+23.2K |
15,168
-2.6% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 1.8% in tier |
| Assets |
$494.7M
+5.5% YoY+0.8% QoQ
|
+$262.7M |
$232.0M
+0.7% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
Top 0.6% in tier |
| Loans |
$238.5M
+6.0% YoY+4.2% QoQ
|
+$92.3M |
$146.3M
+0.2% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$421.9M
+4.4% YoY+0.4% QoQ
|
+$221.1M |
$200.7M
+0.2% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.5% in tier |
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| ROA |
2.0%
+19.9% YoY+8.9% QoQ
|
+1.1% |
0.9%
+12.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.6% in tier |
| NIM |
3.4%
+1.5% YoY+1.5% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
60.6%
-4.8% YoY-4.0% QoQ
|
-16.2% |
76.7%
-0.8% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
0.2%
-15.5% YoY-32.2% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Top 9.7% in tier |
| Loan To Share |
56.5%
+1.6% YoY+3.8% QoQ
|
-15.0% |
71.5%
-0.3% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$17,234
+6.3% YoY+1.8% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
25.4%
+6.4% YoY+0.8% QoQ
|
+0.8% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
21.7%
-12.5% YoY-6.3% QoQ
|
+8.0% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)