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
- ASSETS 92/100
- MEM 15.3%
- RANK 1.15%
- PHOTO 1.39%
- BOOK $6.21B
- CHARTER 295,577
- NCUSIF #748/4,374
- CAMELS University of Wisconsin
- HEALTH 68536
Call Report peers
GENISYS in the assets neighbourhood
GENISYS's $6.21B assets sit next to University of Wisconsin ($6.30B) 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.
GENISYS 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
92 Top 20% higher than 80% 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
GENISYS - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68536: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How GENISYS's 5300 filing moved
GENISYS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $6.21B (2025Q4) to $6.44B (2026Q1).
- Net-worth ratio shifted -0.12 pp (15.42% → 15.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for GENISYS, both outside Michigan 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 ($6.21B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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 GENISYS financially healthy?
GENISYS scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #748 of 4,374; by total assets it ranks #65 of 4,374 nationally (same basis as /rankings/largest); and #4 of 171 within Michigan. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.30% net worth ratio and a 1.15% delinquency rate.
How does GENISYS compare to other credit unions?
On PlainCU's health composite, GENISYS lands at 92/100, compared to a peer group average for Over $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 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?
Federal credit unions like GENISYS 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. GENISYS's net worth ratio of 15.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does GENISYS offer compared to banks?
Credit unions like GENISYS 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 GENISYS 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.