Federal credit union · LA PORTE, Indiana · NCUA charter #23156
GENERATIONS
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $11.9M
- Total assets
- 1,479
- Members
- 13.7%
- Net-worth ratio
GENERATIONS scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.9M; members 1,479; net-worth ratio 13.72%; health rank #611 of 4,374; healthier than 84th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#611 of 4,374 health · 2025Q4GENERATIONS · health 93/100 · $11.9M · 2025Q4
- DELQ 93/100
- ROA 13.7%
- ASSETS 0.08%
- MEM 1.07%
- RANK $11.9M
- PHOTO 1,479
- BOOK #611/4,374
- CHARTER SWEMP
- NCUSIF 23156
Call Report peers
GENERATIONS in the assets neighbourhood
GENERATIONS's $11.9M assets sit next to SWEMP ($11.8M) 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.
GENERATIONS 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
93 Top 16% higher than 84% 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
GENERATIONS - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #23156, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for GENERATIONS
- Largest favorable gap: Loan-to-Share Ratio at 68.17% vs peer 59.80% (+8.37 pp).
- Largest lag: Net Worth Ratio at 13.72% vs peer 14.86% (-1.14 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
GENERATIONS: in-state Call Report ranks
- Health composite ranks #12 of 124 among scored Indiana credit unions.
- By total assets, GENERATIONS is #104 of 124 in Indiana.
- Member book place in Indiana: #97 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for GENERATIONS
GENERATIONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $11.9M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted -0.27 pp (13.99% → 13.72%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.72% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.8 pts
- Loan-to-Share Ratio 14.2 pts
GENERATIONS health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.72% | -1.14 pp |
| Delinquency Rate | 0.08% | -1.07 pp |
| Return on Assets | 1.07% | +0.37 pp |
| Member Growth | -0.14% | - |
| Loan-to-Share Ratio | 68.17% | +8.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - GENERATIONS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $11.9M | 1,479 |
| 2024Q4 | $11.6M | 1,481 |
| 2023Q4 | $12.6M | 1,457 |
Credit Union Details
- Charter Number
- 23156
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- LA PORTE
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, GENERATIONS runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| GENERATIONS FEDERAL CREDIT UNION (Main Office) | LA PORTE, IN |
| BRADFORD SCOTT DATA CORP | FORT WAYNE, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Cross-state Call Report peers for GENERATIONS
GENERATIONS's nationwide photo peers by assets and by health score, excluding Indiana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- GENERATIONS ranks #611 of 4,374 nationally on financial health and #12 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- A H E Plant 3 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with A H E Plant 3
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana 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 GENERATIONS financially healthy?
GENERATIONS scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #611 of 4,374; by total assets it ranks #3,460 of 4,374 nationally (same basis as /rankings/largest); and #104 of 124 within Indiana. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.72% net worth ratio and a 0.08% delinquency rate.
How does GENERATIONS compare to other credit unions?
93/100 is GENERATIONS's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 GENERATIONS?
GENERATIONS 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 GENERATIONS directly for the exact boundaries and application steps.
Is my money safe at GENERATIONS?
Federal credit unions like GENERATIONS 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. GENERATIONS's net worth ratio of 13.72% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GENERATIONS offer compared to banks?
Credit unions like GENERATIONS 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 GENERATIONS 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.