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
- DELQ 67/100
- ROA 46.6%
- ASSETS 2.37%
- MEM -7.50%
- RANK $6.8M
- PHOTO 237
- BOOK #3,738/4,374
- CHARTER n/a
- NCUSIF 24947
Call Report peers
Generations United carries $6.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Generations United 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
67 13th percentile higher than 13% 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 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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Generations United's 5300 filing moved
Generations United: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $6.8M (2025Q4) to $6.9M (2026Q1).
- Net-worth ratio shifted -2.81 pp (49.43% → 46.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 67.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
Generations United's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (67/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,738 of 4,374; by total assets it ranks #3,742 of 4,374 nationally (same basis as /rankings/largest); and #224 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 46.62% 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 46.62% 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.
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.