State credit union · AUBURN HILLS, Michigan · NCUA charter #68536
Genisys
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $6.21B
- Total assets
- 295,577
- Members
- 15.4%
- Net-worth ratio
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 - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth94
- Liquidity (loan-to-share)92
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 15.40%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.40% | 30% |
| Delinquency Rate | 1.15% | 25% |
| Return on Assets | 1.39% | 15% |
| Member Growth | 4.31% | 15% |
| Loan-to-Share Ratio | 92.58% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Genisys
Charter #68536, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Genisys, a state credit union in AUBURN HILLS, Michigan with 295,577 members, $6.21B in total assets, and $4.78B in outstanding loans as of Q4 2025. The five-factor composite scores it 92/100 (Excellent), helped by a net worth ratio of 15.40% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 92.58% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.15% of the book 60+ days past due - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Return on assets stands at 1.39% on net income of $86.3M 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 4.31%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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.
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 Genisys financially healthy?
Genisys scores 92/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 15.40% 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 15.40% 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.
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.