Generations Community Federal Credit Union Castle Hills, Texas
Generations Community Federal Credit Union is a federal credit union headquartered in Castle Hills, TX, established in 1940 (NCUA charter 4015), and it is regulated and insured by the NCUA. At Q2 2026 it reported 46,880 members and total assets of $734.6M (down 1.6% from Q2 2025), the 50th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 9.30% at Q2 2026, in the well capitalized band.
Also written as Generations Community FCU · Trade names filed with the NCUA: GFCU, Generations Federal CU, Generations FCU, Generations and Generations Community Federal CU
BankRegReports is independent of Generations Community Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4015
- Headquarters
- Castle Hills, TX
- Established
- 1940
- Total assets, Q2 2026
- $734.6M
- Assets vs Q2 2025
- -1.6%
- Members, Q2 2026
- 46,880
- Net worth ratio, Q2 2026
- 9.30%
- Latest call report
- Q2 2026, NCUA 5300 · Generations Community Federal Credit Union call report
- Asset rank in state
- 50th of 377 in Texas
- Routing number
- 314088572
- Branches
- 8
It has 295 fewer members than on June 30, 2025 (-0.6%). Its net worth ratio was up 0.24 percentage points from 9.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $175.5M of $528.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.88% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.30% net worth ratio is below that band's 11.43% median.
Credit unions merged into Generations Community Federal Credit Union
Frequently asked about Generations Community Federal Credit Union
How big is Generations Community Federal Credit Union?
At Q2 2026 it reported total assets of $734.6M and 46,880 members.
Where is Generations Community Federal Credit Union headquartered?
It is headquartered in Castle Hills, TX, United States.
When was Generations Community Federal Credit Union founded?
It was established in 1940, per NCUA records.
Is Generations Community Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4015): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Generations Community Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Generations Community Federal Credit Union well capitalized?
Its net worth ratio was 9.30% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Generations Community Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.88% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Generations Community Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 85.62% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Castle Hills, TX 78213
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1940
- NCUA Charter #
- 4015
- RSSD ID
- 399777
- Members
- 46,880
- Potential members
- 2,740,176
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.30% | 11.43% | 18th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.42% | 0.81% | 24th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.55% | 7.02% | 30th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.43% | 3.70% | 33rd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 86.90% | 76.55% | 17th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.88% | 1.24% | 11th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.88% | 0.68% | 39th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 5.31% | 4.92% | 72nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 85.62% | 75.66% | 73rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$734.6M total assets against $746.9M; $617.1M total shares and deposits against $639.8M; $528.4M total loans against $554.5M.
$68.3M net worth against $67.7M.
9.30% net worth ratio against 9.06%.
85.62% loan-to-share ratio against 86.66%.
0.88% delinquency ratio against 0.72%.
0.42% return on assets against 0.07%; 4.55% return on equity against 0.80%.
3.43% net interest margin against 3.17%.
46,880 members against 47,175.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.30% | 0.42% | 0.88% | 85.62% |
| March 31, 2026 | 9.09% | 0.32% | 0.68% | 84.62% |
| December 31, 2025 | 9.15% | 0.08% | 0.80% | 88.11% |
| September 30, 2025 | 9.05% | -0.14% | 0.72% | 88.62% |
| June 30, 2025 | 9.06% | 0.07% | 0.72% | 86.66% |
| March 31, 2025 | 9.25% | -0.17% | 0.61% | 84.89% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.