Genisys Credit Union
Total assets
$6.44B
▲ +16.0% YoY
Shares & deposits
$5.37B
▲ +16.4% YoY
Loans
$4.99B
▲ +24.2% YoY
Members
293,736
▲ +0.6% YoY
ROA (annualized)
1.67%
peers 0.71%
ROE (annualized)
10.91%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | Genisys Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +5.1% | +10.9 pts |
| Share growth (YoY) | +16.4% | +4.9% | +11.6 pts |
| Loan growth (YoY) | +24.2% | +5.4% | +18.7 pts |
| ROA | 1.67% | 0.71% | +1.0 pts |
| ROE | 10.9% | 6.3% | +4.6 pts |
ROA ranks in the 96th percentile of its peer group · Q1 2026
Profile
- Established
- 1964
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 2100 Executive Hills Dr, Auburn Hills, MI, 48326
- NCUA charter #
- 68536
- RSSD ID
- 1758821
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $6.44B | $5.37B | $4.99B | $985.4M | $26.9M | 1.67% | 3.14% | 0.90% | 293,736 |
| Q4 2025 | $6.21B | $5.17B | $4.78B | $958.5M | $98.6M | 1.59% | 2.98% | 1.15% | 295,577 |
| Q3 2025 | $5.80B | $4.79B | $4.60B | $937.2M | $74.6M | 1.71% | 3.11% | 1.02% | 294,382 |
| Q2 2025 | $5.67B | $4.69B | $4.33B | $909.6M | $47.0M | 1.66% | 3.06% | 1.09% | 294,521 |
| Q1 2025 | $5.55B | $4.61B | $4.02B | $885.5M | $23.0M | 1.66% | 2.95% | 0.97% | 291,969 |
| Q4 2024 | $5.31B | $4.40B | $3.89B | $862.5M | $86.3M | 1.63% | 2.73% | 1.04% | 283,364 |
| Q3 2024 | $5.27B | $4.27B | $3.72B | $846.7M | $67.7M | 1.71% | 2.67% | 1.07% | 280,450 |
| Q2 2024 | $5.20B | $4.24B | $3.67B | $822.5M | $43.6M | 1.68% | 2.62% | 0.77% | 277,462 |
Loan mix (Q1 2026): real estate $2.22B · commercial $666.8M · consumer $1.78B · securities $803.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Genisys Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 0.71% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 6.3% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.32% | 39th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 73.0% | 0th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Genisys Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Genisys Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Genisys Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Genisys Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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