GENERATIONS
Charter #23156 · LA PORTE, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.64% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.71% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.09% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 11th percentile but its structural peers at the 39th — a 28-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GENERATIONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.46M | 11th pct | 39th pct |
| Members | 1,483 | 24th pct | 38th pct |
| Net worth ratio | 13.72% | 51th pct | 48th pct |
| Return on average assets | 1.64% | 89th pct | 85th pct |
| Net interest margin | 4.71% | 85th pct | 84th pct |
| Cost of funds | 0.41% | 27th pct | 33th pct |
| Loan-to-share | 63.82% | 60th pct | 56th pct |
| Delinquency 60+ days | 0.46% | 44th pct | 41th pct |
| Net charge-off ratio | -0.09% | 10th pct | 10th pct |
| Loan growth YoY | -0.54% | 66th pct | 67th pct |
| Share growth YoY | 6.06% | 81th pct | 80th pct |
| Efficiency ratio | 70.48% | 27th pct | 26th pct |
structural peer set hash: 498c4764165a909481c59d65283cff65… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.