Federal credit union · Waco, Texas · NCUA charter #8585
GENCO
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $480.5M
- Total assets
- 38,527
- Members
- 13.8%
- Net-worth ratio
GENCO scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $480.5M; members 38,527; net-worth ratio 13.84%; health rank #1,435 of 4,374; healthier than 65th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,435 of 4,374 health · 2025Q4GENCO · health 88/100 · $480.5M · 2025Q4
Call Report peers
GENCO in the assets neighbourhood
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GENCO vs every NCUA-scored credit union
GENCO sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where GENCO diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Net Worth Ratio: +1.73 pp (13.84% vs 12.11%).
- Largest lag: Loan-to-Share Ratio at 56.57% vs peer 72.20% (-15.63 pp).
Where GENCO sits in Texas
- Health composite ranks #137 of 386 among scored Texas credit unions.
- Assets rank #66 of 386 inside Texas ($480.5M reported).
- Member book place in Texas: #58 of 386.
- One place up in Texas, RALLY (#136) ties at 88/100; one place down, First Basin (#138) ties at 88/100.
GENCO Call Report trajectory
GENCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $480.5M (2025Q4) to $490.9M (2026Q1).
- Net-worth ratio shifted +0.16 pp (13.68% → 13.84%).
At 13.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
GENCO gives up 12 points in total. Member Growth costs the most, 9.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.9 pts
- Loan-to-Share Ratio 12.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.84% | +1.73 pp |
| Delinquency Rate | 0.37% | -0.52 pp |
| Return on Assets | 1.20% | +0.57 pp |
| Member Growth | -1.72% | - |
| Loan-to-Share Ratio | 56.57% | -15.63 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
GENCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $490.9M | - |
| 2025Q4 | $480.5M | 38,527 |
| 2024Q4 | $451.1M | 39,201 |
| 2023Q4 | $431.5M | 40,321 |
Credit Union Details
- Charter Number
- 8585
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Texas
- City
- Waco
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for GENCO, spread across 4 cities.
| Office | City |
|---|---|
| Valley Mills (Main Office) | Waco, TX |
| Lorena | Lorena, TX |
| Lufkin | Lufkin, TX |
| Northeast | Waco, TX |
| Woodway | Woodway, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near GENCO
Using this data
- GENCO ranks #1,435 of 4,374 nationally on financial health and #137 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- EDUCATION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with EDUCATION
Frequently Asked Questions
Is GENCO financially healthy?
On its 2025Q4 NCUA 5300 filing, GENCO scores 88/100 (Excellent), with a 13.84% net worth ratio and 0.37% of loans delinquent. It ranks #1,435 of 4,374 nationally on health and #137 of 386 in Texas.
How does GENCO compare to other credit unions?
GENCO scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.84% vs 12.11%). Its widest shortfall is loan-to-share ratio (56.57% vs 72.20%).
How can I join GENCO?
GENCO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GENCO directly for the exact boundaries and application steps.
Is my money safe at GENCO?
GENCO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GENCO's net worth ratio of 13.84% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.