State credit union · AUBURN HILLS, Michigan · NCUA charter #68536
GENISYS
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $6.21B
- Total assets
- 295,577
- Members
- 15.3%
- Net-worth ratio
GENISYS scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.21B; members 295,577; net-worth ratio 15.30%; health rank #748 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#748 of 4,374 health · 2025Q4GENISYS · health 92/100 · $6.21B · 2025Q4
Call Report peers
GENISYS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GENISYS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GENISYS sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GENISYS vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 92.58% here, 83.90% peer average (+8.68 pp).
- Delinquency Rate trails the peer set - 1.15% here, 0.87% peer average (+0.27 pp).
Where GENISYS sits in Michigan
- Health composite ranks #28 of 171 among scored Michigan credit unions.
- Michigan assets place: #4 of 171.
- Michigan membership ordinal: #3 of 171.
- One place up in Michigan, Omni Community (#27) ties at 92/100; one place down, Forest Area (#29) ties at 92/100.
How GENISYS's 5300 filing moved
GENISYS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $6.21B (2025Q4) to $6.44B (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.42% → 15.30%).
At 15.30%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
GENISYS gives up 8 points in total. Delinquency Rate costs the most, 6.1 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 15.0 pts
- Member Growth 14.2 pts
- Loan-to-Share Ratio 13.9 pts
GENISYS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.30% | +4.12 pp |
| Delinquency Rate | 1.15% | +0.27 pp |
| Return on Assets | 1.39% | +0.88 pp |
| Member Growth | 4.31% | - |
| Loan-to-Share Ratio | 92.58% | +8.68 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
GENISYS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.44B | - |
| 2025Q4 | $6.21B | 295,577 |
| 2024Q4 | $5.31B | 283,364 |
| 2023Q4 | $4.85B | 272,934 |
Credit Union Details
- Charter Number
- 68536
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- AUBURN HILLS
- Data Quarter
- 2025Q4
Branch Locations (33)
The NCUA branch filing lists 33 physical offices for GENISYS, spread across 27 cities in 2 states.
| Office | City |
|---|---|
| Corporate Headquarters (Main Office) | Auburn Hills, MI |
| 23 Auburn Hills | Auburn Hills, MI |
| 28 Chesterfield Twp. | Chesterfield, MI |
| 7 Clarkston - Dixie | Clarkston, MI |
| 25 Clarkston - Sashabaw | Clarkston, MI |
| 27 Clinton Twp | Clinton Township, MI |
| 34 Clio | Clio, MI |
| 17 Commerce | Commerce Twp, MI |
| 29 Eagan | Eagan, MN |
| 32 Fenton | Fenton, MI |
| 36 Grand Blanc | Grand Blanc, MI |
| 18 Lakeville | Lakeville, MN |
| 24 Marysville | Marysville, MI |
| 6 Orion | Orion, MI |
| 11 Ortonville | Ortonville, MI |
| 10 Oxford | Oxford, MI |
| 20 Plymouth | Plymouth, MI |
| 1 Pontiac | Pontiac, MI |
| 12 Rochester Hills | Rochester Hills, MI |
| 30 Rochester Hills - Crooks | Rochester Hills, MI |
| 22 Roseville | Roseville, MN |
| 15 Royal Oak | Royal Oak, MI |
| 31 Shelby Twp. | Shelby Township, MI |
| 33 Schoenherr | Shelby Township, MI |
| 19 Sterling Heights | Sterling Heights, MI |
| 26 Troy | Troy, MI |
| 2 Belleville | Van Buren Township, MI |
| 35 Vassar | Vassar, MI |
| 3 Waterford - M59 | Waterford, MI |
| 8 Waterford - Dixie Hwy | Waterford, MI |
| 16 Waterford - Walton | Waterford, MI |
| 9 White Lake | White Lake, MI |
| 14 Wixom | Wixom, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for GENISYS
Using this data
- GENISYS ranks #748 of 4,374 nationally on financial health and #28 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Dfcu Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Dfcu Financial
Frequently Asked Questions
Is GENISYS financially healthy?
GENISYS has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #748 of 4,374 nationally on health and #28 of 171 in Michigan. Its net worth ratio is 15.30% and its delinquency rate 1.15%.
How does GENISYS compare to other credit unions?
GENISYS scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.58% vs 83.90%). Its widest shortfall is delinquency rate (1.15% vs 0.87%).
How can I join GENISYS?
Membership eligibility for GENISYS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GENISYS directly for current membership requirements and application steps.
Is my money safe at GENISYS?
GENISYS is a state-chartered 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. GENISYS's net worth ratio of 15.30% 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.