GENFED FINANCIAL
Charter #97106 | OH
100M-500M
(1077 CUs)
Micro
($0-$500M)
58 100M-500M in OH
GENFED FINANCIAL has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.53% above tier average
- + Net Interest Margin 0.96% above tier average
- + Net Worth Ratio: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 2.0% in tier
- - Shrinking Wallet Share: Bottom 8.1% in tier
- - Credit Quality Pressure: Bottom 8.3% in tier
- - Accelerating Exit Risk: Bottom 9.9% in tier
- - Liquidity Overhang: Bottom 12.3% in tier
- - Stagnation Risk: Bottom 21.2% in tier
- - Institutional Decline: Bottom 25.4% in tier
- - Membership Headwinds: Bottom 30.3% in tier
- - Delinquency rate 0.26% above tier average
- - Deposit Growth Rate: Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,810
-0.8% YoY+0.5% QoQ
|
+9.2K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 13.6% in tier |
| Assets |
$307.3M
-3.6% YoY-1.7% QoQ
|
+$76.0M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$205.4M
-3.3% YoY+0.2% QoQ
|
+$57.6M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Top 23.5% in tier |
| Deposits |
$253.0M
-6.1% YoY-2.5% QoQ
|
+$52.7M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
72nd in tier |
| ROA |
1.3%
+34.0% YoY+29.5% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 17.1% in tier |
| NIM |
4.5%
+18.0% YoY+4.5% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Top 8.2% in tier |
| Efficiency Ratio |
75.3%
-0.0% YoY-4.9% QoQ
|
-2.0% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
43rd in tier |
| Delinquency Rate |
1.1%
+50.7% YoY+36.3% QoQ
|
+0.3 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 24.9% in tier |
| Loan To Share |
81.2%
+2.9% YoY+2.7% QoQ
|
+8.5% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
67th in tier |
| AMR |
$18,476
-4.1% YoY-1.8% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
26th in tier |
| CD Concentration |
10.7%
-40.3% YoY+8.3% QoQ
|
-13.7% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
0.1%
-89.5% YoY-13.6% QoQ
|
-13.8% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (8)
Deposit Outflow
decline
#13 of 114 • Bottom 2.0% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-6.08%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$307.26M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#82 of 244 • Bottom 8.1% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-4.09%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#207 of 736 • Bottom 8.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.38% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Accelerating Exit Risk
decline
#27 of 58 • Bottom 9.9% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-0.80%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-4.09%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#192 of 552 • Bottom 12.3% 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:
17.37%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
81.19%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#349 of 550 • Bottom 21.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
1.31%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-0.80%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$18.5K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
10.71%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
Institutional Decline
decline
#201 of 256 • Bottom 25.4% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$307.26M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-0.80%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.32%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
New qualifier
Membership Headwinds
decline
#499 of 550 • Bottom 30.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-0.80%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
New qualifier
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)
67
Net Worth Ratio
risk
Value:
17.37%
Peer Avg: 12.15%
#67 of 1077
Top 6.1% in 100M-500M tier
88
Net Interest Margin (NIM)
profitability
Value:
4.54%
Peer Avg: 3.58%
#88 of 1077
Top 8.1% in 100M-500M tier
130
Share Certificate Concentration (%)
balance_sheet
Value:
10.71%
Peer Avg: 23.61%
#130 of 1077
Top 12.0% in 100M-500M tier
147
Total Members
engagement
Value:
24,810
Peer Avg: 15,628
#147 of 1077
Top 13.6% in 100M-500M tier
184
Return on Assets (ROA)
profitability
Value:
1.31%
Peer Avg: 0.79%
#184 of 1077
Top 17.0% in 100M-500M tier
235
Fee Income Per Member
profitability
Value:
$221.45
Peer Avg: $174.31
#235 of 1077
Top 21.7% in 100M-500M tier
253
Total Loans
balance_sheet
Value:
$205.39M
Peer Avg: $147.80M
#253 of 1077
Top 23.4% in 100M-500M tier
Top Weaknesses (5 metrics)
1049
Deposit Growth Rate
growth
Value:
-6.08%
Peer Avg: 4.69%
#1049 of 1077
Bottom 2.7% in 100M-500M tier
1018
Asset Growth Rate
growth
Value:
-3.57%
Peer Avg: 4.70%
#1018 of 1077
Bottom 5.6% in 100M-500M tier
1015
AMR Growth Rate
growth
Value:
-4.09%
Peer Avg: 3.64%
#1015 of 1077
Bottom 5.8% in 100M-500M tier
876
Loan Growth Rate
growth
Value:
-3.32%
Peer Avg: 3.45%
#876 of 1077
Bottom 18.8% in 100M-500M tier
810
Total Delinquency Rate (60+ days)
risk
Value:
1.12%
Peer Avg: 0.86%
#810 of 1077
Bottom 24.9% in 100M-500M tier