GENERATIONS COMMUNITY
Charter #4015 · San Antonio, TX · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.30% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 2.19% sits at the 90th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.26% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 89.36% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 36th — a 31-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $750.44M | 59th pct | 41th pct |
| Members | 47,193 | 67th pct | 36th pct |
| Net worth ratio | 9.09% | 20th pct | 34th pct |
| Return on average assets | 0.33% | 22th pct | 33th pct |
| Net interest margin | 3.30% | 36th pct | 20th pct |
| Cost of funds | 2.19% | 88th pct | 90th pct |
| Loan-to-share | 84.62% | 59th pct | 41th pct |
| Delinquency 60+ days | 0.68% | 60th pct | 52th pct |
| Net charge-off ratio | 0.26% | 28th pct | 11th pct |
| Loan growth YoY | -4.84% | 4th pct | 5th pct |
| Share growth YoY | -0.34% | 6th pct | 11th pct |
| Efficiency ratio | 89.36% | 89th pct | 85th pct |
structural peer set hash: cda86c8007b79d9ab8d390ac45b21dbe… (reproducible)
Closest structural peers
This is the free public view
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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.