GENERATIONS UNITED
Charter #24947 · New York, NY · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 264 sits at the 10th percentile of structural peers — worth a closer look.
- Net worth ratio of 46.62% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -6.97% sits at the 3rd percentile of structural peers — worth a closer look.
- Cost of funds of 2.84% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 256.07% sits at the 98th percentile of structural peers — worth a closer look.
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 UNITED | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.93M | 79th pct | 39th pct |
| Members | 264 | 21th pct | 10th pct |
| Net worth ratio | 46.62% | 97th pct | 87th pct |
| Return on average assets | -6.97% | 3th pct | 3th pct |
| Net interest margin | 3.95% | 48th pct | 36th pct |
| Cost of funds | 2.84% | 95th pct | 95th pct |
| Loan-to-share | 112.99% | 97th pct | 85th pct |
| Delinquency 60+ days | 1.91% | 67th pct | 67th pct |
| Net charge-off ratio | 0.05% | 74th pct | 56th pct |
| Loan growth YoY | 57.55% | 98th pct | 98th pct |
| Share growth YoY | 47.92% | 99th pct | 98th pct |
| Efficiency ratio | 256.07% | 98th pct | 98th pct |
structural peer set hash: 61644d8d74da3fd3f56510d9b489c645… (reproducible)
Closest structural peers
This is the free public view
Claim GENERATIONS UNITED
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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.