Federal credit union · Akron, Ohio · NCUA charter #97106
Genfed Financial
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $318.3M
- Total assets
- 24,303
- Members
- 13.8%
- Net-worth ratio
Genfed Financial - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #97106 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Genfed Financial - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)69
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)100
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.84% | 30% |
| Delinquency Rate | 1.35% | 25% |
| Return on Assets | 0.84% | 15% |
| Member Growth | -3.34% | 15% |
| Loan-to-Share Ratio | 77.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $318.3M | 24,303 |
| 2024Q4 | $316.2M | 25,144 |
| 2023Q4 | $310.6M | 24,766 |
Credit Union Details
- Charter Number
- 97106
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Ohio
- City
- Akron
- Data Quarter
- 2025Q4
What This Data Says About Genfed Financial
Headquartered in Akron, Ohio, Genfed Financial is a federal credit union with 24,303 members, $318.3M in total assets, and $205.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 80/100 (Excellent), driven in part by a net worth ratio of 13.84% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #97106 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Two more numbers round out the picture: a 1.35% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers - and a 77.99% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.84% on net income of $2.7M 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 -3.34%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
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 Genfed Financial financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Genfed Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.84% net worth ratio and 1.35% delinquency rate are the key drivers.
How does Genfed Financial compare to other credit unions?
On PlainCU's health composite, Genfed Financial lands at 80/100, compared to a peer group average for $100M–$500M 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 Genfed Financial?
Membership eligibility for Genfed Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Genfed Financial directly for current membership requirements and application steps.
Is my money safe at Genfed Financial?
Federal credit unions like Genfed Financial 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. Genfed Financial's net worth ratio of 13.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Genfed Financial offer compared to banks?
Credit unions like Genfed Financial 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 Genfed Financial 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.