GENERATIONS UNITED vs GRAND CENTRAL TERMINAL EMPLOYEES
Side-by-side comparison based on NCUA quarterly call report data.
Financial Metrics Comparison
| Metric | GENERATIONS UNITED | GRAND CENTRAL TERMINAL EMPLOYEES |
|---|---|---|
| Health Score 0–100, higher is better | 63 | 63 |
| Total Assets | $6.8M | $6.9M |
| Members | 237 | 1,426 |
| Net Worth Ratio Higher = better capitalized (≥7% = "well capitalized") | 49.43% | 10.73% |
| Delinquency Rate Lower = fewer past-due loans | 2.37% | 0.73% |
| Return on Assets (ROA) Higher = more profitable | 0.000% | 0.000% |
| Loan-to-Share Ratio Higher = more loans deployed vs deposits | 97.39% | 20.72% |
| Member Growth Year-over-year membership change | 323.2% | -6.0% |
Teal/bold = better performer on that metric. Financial ratios from most recently reported NCUA quarter.
Membership & Structure
| Detail | GENERATIONS UNITED | GRAND CENTRAL TERMINAL EMPLOYEES |
|---|---|---|
| Location | New York, NY | NEW YORK, NY |
| Charter Type | Federal | Federal |
| Field of Membership | Community | Community |
| Peer Group | $2M–$10M | $2M–$10M |
| Charter Number | 24947 | 1059 |
What This Comparison Says About GENERATIONS UNITED vs GRAND CENTRAL TERMINAL EMPLOYEES
GENERATIONS UNITED (New York, NY) and GRAND CENTRAL TERMINAL EMPLOYEES (NEW YORK, NY) are both federally-insured credit unions reporting quarterly to the NCUA, but they differ meaningfully in scale and profile. GENERATIONS UNITED holds $6.8M in assets across 237 members, while GRAND CENTRAL TERMINAL EMPLOYEES holds $6.9M across 1,426 members. Both institutions post health scores of 63/100 and 63/100, a narrow spread that suggests similar overall financial profiles despite differences in size. Charter numbers 24947 and 1059 indicate entirely separate NCUA supervisory records; they operate under peer groups $2M–$10M and $2M–$10M respectively.
Capital adequacy is the first check: GENERATIONS UNITED's net worth ratio of 49.43% clears the NCUA's 7.0% "well capitalized" bar, while GRAND CENTRAL TERMINAL EMPLOYEES posts 10.73%. Loan quality — measured as loans 60+ days past due over total loans — comes in at 2.37% for GENERATIONS UNITED and 0.73% for GRAND CENTRAL TERMINAL EMPLOYEES; lower is tighter. Earnings efficiency (ROA) shows 0.000% versus 0.000%, though credit unions as not-for-profit cooperatives often report ROA near zero by design, returning surplus to members through rates and dividends. Loan-to-share ratios of 97.39% and 20.72% indicate how each institution deploys member deposits — the 60–80% band is generally considered the balanced-liquidity window by industry analysts.
Both credit unions are covered by NCUSIF federal insurance up to $250,000 per depositor per ownership category, the same limit as FDIC coverage at banks — so the comparison here is about financial efficiency and member experience, not deposit safety. Before joining either institution, verify the field of membership: GENERATIONS UNITED is currently defined as "Community" and GRAND CENTRAL TERMINAL EMPLOYEES as "Community", and eligibility rules (employer, geography, association) determine who can actually open accounts. Current deposit rates, loan APRs, fees, and product availability change continuously and are not reflected in quarterly Call Report data — contact each credit union directly before opening accounts or borrowing. This comparison is informational only and is not financial advice, an endorsement, or a solicitation; credit union performance can shift materially quarter to quarter and should be re-evaluated with current reports before making any decision.
What to Consider When Choosing
Net Worth Ratio: The NCUA requires credit unions to maintain a net worth ratio of at least 7% to be considered "well capitalized." GENERATIONS UNITED shows 49.43% vs GRAND CENTRAL TERMINAL EMPLOYEES at 10.73%. Higher ratios indicate stronger financial buffers.
Delinquency Rate: Measures the percentage of loans that are 60+ days past due. Lower delinquency rates indicate tighter underwriting and lower credit risk. GENERATIONS UNITED: 2.37% — GRAND CENTRAL TERMINAL EMPLOYEES: 0.73%.
Return on Assets: ROA measures how efficiently a credit union generates income from its assets. Industry benchmark is typically 0.50–0.70%. Both values here may be close to zero since credit unions are not-for-profit and return value to members through lower rates and higher dividends.
Membership eligibility: Check each credit union's field of membership before applying. Many restrict membership by employer, geography, or community affiliation.