GENERATIONS
Charter #60429 · Rockford, IL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 0.02% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 72nd — a 20-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 | $23.12M | 44th pct | 30th pct |
| Members | 2,094 | 49th pct | 38th pct |
| Net worth ratio | 15.66% | 64th pct | 67th pct |
| Return on average assets | 0.86% | 61th pct | 64th pct |
| Net interest margin | 3.90% | 53th pct | 51th pct |
| Cost of funds | 0.88% | 52th pct | 72th pct |
| Loan-to-share | 50.71% | 39th pct | 48th pct |
| Delinquency 60+ days | 0.28% | 34th pct | 34th pct |
| Net charge-off ratio | 0.02% | 38th pct | 25th pct |
| Loan growth YoY | -2.30% | 51th pct | 43th pct |
| Share growth YoY | 1.99% | 44th pct | 34th pct |
| Efficiency ratio | 79.89% | 48th pct | 51th pct |
structural peer set hash: 5afefa6d0d823195d3918e4a9d1fc4cb… (reproducible)
Closest structural peers
This is the free public view
Claim GENERATIONS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.