Federal credit union · New York, New York · NCUA charter #24947
Generations United
Health score 67/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $6.8M
- Total assets
- 237
- Members
- 46.6%
- Net-worth ratio
Generations United scores 67/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.8M; members 237; net-worth ratio 46.62%; health rank #3,738 of 4,374; healthier than 13th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,738 of 4,374 health · 2025Q4Generations United · health 67/100 · $6.8M · 2025Q4
Call Report peers
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Generations United vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Generations United sits in 65-69 with 275 others.
67 13th percentile higher than 13% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Generations United
- Loan-to-Share Ratio leads the peer set - 97.39% here, 63.60% peer average (+33.79 pp).
- Return on Assets trails the peer set - -7.50% here, 0.45% peer average (-7.95 pp).
Generations United: in-state Call Report ranks
- New York health ordinal: #217 of 272.
- By total assets, Generations United is #224 of 272 in New York.
- Membership ranks #256 of 272 among New York CUs with a reported count (237 members).
- One place up in New York, District #6 (#216) scores 68/100, 1 point higher; one place down, American Broadcast Employees (#218) ties at 67/100.
How Generations United's 5300 filing moved
Generations United: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $6.8M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -2.81 pp (49.43% → 46.62%).
This credit union's 46.62% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 67/100 score is built
Generations United gives up 33 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.2 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 46.62% | +27.56 pp |
| Delinquency Rate | 2.37% | +0.56 pp |
| Return on Assets | -7.50% | -7.95 pp |
| Member Growth | 323.21% | - |
| Loan-to-Share Ratio | 97.39% | +33.79 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Generations United
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.9M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Generations United.
| Office | City |
|---|---|
| Headquarters (Main Office) | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$10M85Health
- CONCORDBrooklyn, NY · $2M–$10M77Health
- TRANSIT AUTHORITY DIVISION BNew York, NY · $2M–$10M59Health
- UTICA POLICE DEPARTMENTUTICA, NY · $2M–$10M61Health
Compare Generations United vs GRAND CENTRAL TERMINAL EMPLOYEES
Generations United nationwide neighbourhoods
Similar health score
Using this data
- Generations United ranks #3,738 of 4,374 nationally on financial health and #217 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Grand Central Terminal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Grand Central Terminal Employees
Frequently Asked Questions
Is Generations United financially healthy?
On its 2025Q4 NCUA 5300 filing, Generations United scores 67/100 (Good), with a 46.62% net worth ratio and 2.37% of loans delinquent. It ranks #3,738 of 4,374 nationally on health and #217 of 272 in New York.
How does Generations United compare to other credit unions?
Generations United scores 67/100, higher than 13% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (97.39% vs 63.60%). Its widest shortfall is return on assets (-7.50% vs 0.45%).
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?
Generations United is a federal credit union; its shares are federally 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 46.62% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.