Federal credit union · San Antonio, Texas · NCUA charter #4015
Generations Community
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $738.6M
- Total assets
- 47,191
- Members
- 9.1%
- Net-worth ratio
Generations Community scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $738.6M; members 47,191; net-worth ratio 9.09%; health rank #3,207 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,207 of 4,374 health · 2025Q4Generations Community · health 76/100 · $738.6M · 2025Q4
- CHARTER 76/100
- NCUSIF 9.1%
- CAMELS 0.80%
- HEALTH -0.19%
- NW $738.6M
- DELQ 47,191
- ROA #3,207/4,374
- ASSETS CARTER
- MEM 4015
Call Report peers
Generations Community in the assets neighbourhood
Generations Community's $738.6M assets sit next to CARTER ($737.1M) 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.
Generations Community 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
76 26th percentile higher than 26% 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 Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #4015: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Generations Community vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +4.21 pp (88.11% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -2.09 pp (9.09% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Generations Community in Texas
- In Texas, health place is #282 of 386 on the same NCUA-ratio sort used nationally.
- Texas assets place: #49 of 386.
- Member book place in Texas: #51 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.
Generations Community Call Report trajectory
Generations Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $738.6M (2025Q4) to $750.4M (2026Q1).
- Net-worth ratio shifted -0.06 pp (9.15% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.09% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 76/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 22.0 pts
- Return on Assets 2.8 pts
- Member Growth 8.7 pts
- Loan-to-Share Ratio 14.8 pts
Generations Community vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -2.09 pp |
| Delinquency Rate | 0.80% | -0.07 pp |
| Return on Assets | -0.19% | -0.70 pp |
| Member Growth | -0.17% | - |
| Loan-to-Share Ratio | 88.11% | +4.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Generations Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $750.4M | - |
| 2025Q4 | $738.6M | 47,191 |
| 2024Q4 | $744.3M | 47,271 |
| 2023Q4 | $755.9M | 47,153 |
Credit Union Details
- Charter Number
- 4015
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Texas
- City
- San Antonio
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, Generations Community runs 8 offices in 2 different cities.
| Office | City |
|---|---|
| Headquarters (Main Office) | San Antonio, TX |
| One Castle Hills Branch | Castle Hills, TX |
| Balcones Heights Branch | San Antonio, TX |
| Northwest Branch | San Antonio, TX |
| Southeast Branch | San Antonio, TX |
| Southside Branch | San Antonio, TX |
| Downtown | San Antonio, TX |
| Potranco Branch | San Antonio, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Generations Community
Cross-state asset and health neighbours for Generations Community - kept outside Texas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($738.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
Using this data
- Generations Community ranks #3,207 of 4,374 nationally on financial health and #282 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Members Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Members Choice
- 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 Generations Community financially healthy?
Generations Community has a financial health score of 76/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,207 of 4,374; by total assets it ranks #589 of 4,374 nationally (same basis as /rankings/largest); and #49 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.09% and delinquency rate of 0.80%.
How does Generations Community compare to other credit unions?
PlainCU's health composite puts Generations Community at 76/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Community?
Generations Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Generations Community?
Federal credit unions like Generations Community 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 Community's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Generations Community offer compared to banks?
Credit unions like Generations Community 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 Community 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.