GENCO
Charter #8585 · Waco, TX · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 38,363 ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.82% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.51% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.05% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 36th — a 16-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 | GENCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $490.87M | 99th pct | 93th pct |
| Members | 38,363 | 98th pct | 92th pct |
| Net worth ratio | 13.84% | 78th pct | 72th pct |
| Return on average assets | 1.82% | 94th pct | 87th pct |
| Net interest margin | 3.41% | 35th pct | 33th pct |
| Cost of funds | 1.51% | 67th pct | 77th pct |
| Loan-to-share | 54.46% | 17th pct | 31th pct |
| Delinquency 60+ days | 0.28% | 20th pct | 36th pct |
| Net charge-off ratio | 0.62% | 74th pct | 74th pct |
| Loan growth YoY | 2.79% | 73th pct | 79th pct |
| Share growth YoY | 2.80% | 40th pct | 36th pct |
| Efficiency ratio | 63.05% | 12th pct | 21th pct |
structural peer set hash: 3871bdaba8761d375bad784a4ab2981d… (reproducible)
Closest structural peers
This is the free public view
Claim GENCO
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.