Federal credit union · New York, New York · NCUA charter #24947
Generations United
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $6.8M
- Total assets
- 237
- Members
- 49.4%
- Net-worth ratio
Generations United - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24947. See our deposit-insurance coverage note.
Generations United - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)41
- Earnings (ROA)0
- Member growth100
- Liquidity (loan-to-share)78
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 49.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 49.43% | 30% |
| Delinquency Rate | 2.37% | 25% |
| Return on Assets | -7.50% | 15% |
| Member Growth | 323.21% | 15% |
| Loan-to-Share Ratio | 97.39% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.8M | 237 |
| 2024Q4 | $5.4M | 56 |
| 2023Q4 | $5.2M | 30 |
Credit Union Details
- Charter Number
- 24947
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- New York
- Data Quarter
- 2025Q4
What This Data Says About Generations United
Headquartered in New York, New York, Generations United is a federal credit union with 237 members, $6.8M in total assets, and $1.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 67/100 (Good), driven in part by a net worth ratio of 49.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24947 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
On loan book quality: 2.37% of loans are 60+ days past due against the total loan book - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers. Meanwhile a 97.39% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -7.50% on net income of $-507812 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 323.21%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- GRAND CENTRAL TERMINAL EMPLOYEESNEW YORK, NY · $2M–$10M61Health
- CROUSE HINDS EMPLOYEESsyracuse, NY · $2M–$10M83Health
- CONCORDBrooklyn, NY · $2M–$10M47Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- UTICA POLICE DEPARTMENTUTICA, NY · $2M–$10M61Health
Compare Generations United vs GRAND CENTRAL TERMINAL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Generations United financially healthy?
Yes/no aside, the number is 67/100 (Good) - Generations United's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 49.43% net worth ratio and 2.37% delinquency rate are the key drivers.
How does Generations United compare to other credit unions?
Five weighted metrics from NCUA filings produce Generations United's 67/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 United?
Generations United 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 United directly for the exact boundaries and application steps.
Is my money safe at Generations United?
Federal credit unions like Generations United 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 United's net worth ratio of 49.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Generations United offer compared to banks?
Credit unions like Generations United 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 United directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.