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
- NW 88/100
- DELQ 13.8%
- ROA 0.37%
- ASSETS 1.20%
- MEM $480.5M
- RANK 38,527
- PHOTO #1,435/4,374
- BOOK REVITY
- CHARTER 8585
Call Report peers
GENCO in the assets neighbourhood
GENCO's $480.5M assets sit next to REVITY ($481.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GENCO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GENCO - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8585, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GENCO Call Report trajectory
GENCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $480.5M (2025Q4) to $490.9M (2026Q1).
- Net-worth ratio shifted +0.16 pp (13.68% → 13.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for GENCO, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($480.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GENCO financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, GENCO carries a financial health score of 88/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,435 of 4,374; by total assets it ranks #770 of 4,374 nationally (same basis as /rankings/largest); and #66 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.84% net worth ratio and a 0.37% delinquency rate.
How does GENCO compare to other credit unions?
On PlainCU's health composite, GENCO lands at 88/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like GENCO are 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."
What rates does GENCO offer compared to banks?
Credit unions like GENCO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GENCO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.