GENISYS
Charter #68536 · AUBURN HILLS, MI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 293,736 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.30% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.70% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.57% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.90% sits at the 80th 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 | GENISYS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.44B | 87th pct | 80th pct |
| Members | 293,736 | 84th pct | 79th pct |
| Net worth ratio | 15.30% | 94th pct | 93th pct |
| Return on average assets | 1.70% | 96th pct | 93th pct |
| Net interest margin | 3.19% | 40th pct | 31th pct |
| Cost of funds | 0.57% | 13th pct | 11th pct |
| Loan-to-share | 92.97% | 73th pct | 66th pct |
| Delinquency 60+ days | 0.90% | 74th pct | 80th pct |
| Net charge-off ratio | 0.74% | 70th pct | 79th pct |
| Loan growth YoY | 8.52% | 94th pct | 93th pct |
| Share growth YoY | 12.14% | 94th pct | 90th pct |
| Efficiency ratio | 39.16% | 0th pct | 0th pct |
structural peer set hash: 1835e74b337744dda0b960bed675c7db… (reproducible)
Closest structural peers
This is the free public view
Claim GENISYS
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.