State credit union · Rockford, Illinois · NCUA charter #60429
GENERATIONS
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $22.6M
- Total assets
- 2,099
- Members
- 15.7%
- Net-worth ratio
GENERATIONS scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.6M; members 2,099; net-worth ratio 15.66%; health rank #2,708 of 4,374; healthier than 36th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,708 of 4,374 health · 2025Q4GENERATIONS · health 80/100 · $22.6M · 2025Q4
- PHOTO 80/100
- BOOK 15.7%
- CHARTER 0.19%
- NCUSIF 0.16%
- CAMELS $22.6M
- HEALTH 2,099
- NW #2,708/4,374
- DELQ Rome Kraft Employees
- ROA 60429
Call Report peers
GENERATIONS in the assets neighbourhood
GENERATIONS's $22.6M assets sit next to Rome Kraft Employees ($22.6M) 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
80 36th percentile higher than 36% 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
The 2025Q4 NCUA Call Report puts charter #60429 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
GENERATIONS: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.19% here, 1.15% peer average (-0.95 pp).
- Loan-to-Share Ratio trails the peer set - 53.65% here, 59.80% peer average (-6.15 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where GENERATIONS sits in Illinois
- Illinois health ordinal: #121 of 192.
- By total assets, GENERATIONS is #101 of 192 in Illinois.
- Illinois membership ordinal: #105 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How GENERATIONS's 5300 filing moved
GENERATIONS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.1% from $22.6M (2025Q4) to $23.1M (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.78% → 15.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 15.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.9 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 11.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.66% | +0.80 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.16% | -0.55 pp |
| Member Growth | -3.09% | - |
| Loan-to-Share Ratio | 53.65% | -6.15 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.1M | - |
| 2025Q4 | $22.6M | 2,099 |
| 2024Q4 | $22.5M | 2,166 |
| 2023Q4 | $22.0M | 2,226 |
Credit Union Details
- Charter Number
- 60429
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Rockford
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, GENERATIONS runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| Harrison Ave-Main Office (Main Office) | Rockford, IL |
| Illinois State Credit Union | Loves Park, IL |
| Co-op Shared Branching Network | Rockford, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Other-state peers near GENERATIONS
Two NCUA Call Report peer sets for GENERATIONS, both outside Illinois 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 ($22.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- GENERATIONS ranks #2,708 of 4,374 nationally on financial health and #121 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Elite Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Elite Community
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 80/100 (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 #2,708 of 4,374; by total assets it ranks #3,065 of 4,374 nationally (same basis as /rankings/largest); and #101 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.66% net worth ratio and a 0.19% delinquency rate.
How does GENERATIONS compare to other credit unions?
On PlainCU's health composite, GENERATIONS lands at 80/100, compared to a peer group average for $10M–$50M 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 GENERATIONS?
Membership eligibility for GENERATIONS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GENERATIONS directly for current membership requirements 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 15.66% 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.