Federal credit union · Akron, Ohio · NCUA charter #97106
Genfed Financial
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $318.3M
- Total assets
- 24,303
- Members
- 16.7%
- Net-worth ratio
Genfed Financial scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $318.3M; members 24,303; net-worth ratio 16.69%; health rank #2,700 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,700 of 4,374 health · 2025Q4Genfed Financial · health 80/100 · $318.3M · 2025Q4
- CAMELS 80/100
- HEALTH 16.7%
- NW 1.35%
- DELQ 0.84%
- ROA $318.3M
- ASSETS 24,303
- MEM #2,700/4,374
- RANK RIVERFRONT
- PHOTO 97106
Call Report peers
Genfed Financial in the assets neighbourhood
Genfed Financial's $318.3M assets sit next to RIVERFRONT ($318.4M) 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.
Genfed Financial 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
80 36th percentile higher than 36% 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
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: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +5.79 pp (77.99% vs 72.20%).
- Largest lag: Delinquency Rate at 1.35% vs peer 0.89% (+0.46 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Genfed Financial in Ohio
- In Ohio, health place is #121 of 196 on the same NCUA-ratio sort used nationally.
- Ohio assets place: #34 of 196.
- Member book place in Ohio: #29 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Genfed Financial
Genfed Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.4% from $318.3M (2025Q4) to $332.3M (2026Q1).
- Net-worth ratio shifted -0.40 pp (17.09% → 16.69%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 16.69%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 14.7 pts
Genfed Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.69% | +4.58 pp |
| Delinquency Rate | 1.35% | +0.46 pp |
| Return on Assets | 0.84% | +0.21 pp |
| Member Growth | -3.34% | - |
| Loan-to-Share Ratio | 77.99% | +5.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Genfed Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $332.3M | - |
| 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
Branch Locations (10)
The NCUA branch filing lists 10 physical offices for Genfed Financial, spread across 9 cities in 3 states.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Akron, OH |
| Akron Office | Akron, OH |
| Antwerp | Antwerp, OH |
| Bryan Office | Bryan, OH |
| Centralia Office | Centralia, IL |
| Lorain Office - Oberlin Ave | Lorain, OH |
| Mt Vernon Office | Mount Vernon, IL |
| Sheffield Lake Office | Sheffield Lake, OH |
| Shelbyville Office | Shelbyville, IN |
| Wadsworth North Office | Wadsworth, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Genfed Financial
Two NCUA Call Report peer sets for Genfed Financial, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($318.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Genfed Financial ranks #2,700 of 4,374 nationally on financial health and #121 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Glass City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Glass City
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,700 of 4,374; by total assets it ranks #1,007 of 4,374 nationally (same basis as /rankings/largest); and #34 of 196 within Ohio. Above 80 reads excellent, below 50 warrants closer monitoring; a 16.69% 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 16.69% 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.
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.