Credit Union Safety Analysis
Is Generations United Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Generations United Federal Credit Union has a net worth ratio of 44.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.83%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Generations United Federal Credit Union's net worth ratio is 44.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 44.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.83%
- Return on assets (Q2 2026): -5.76%
- Loan-to-share ratio (Q2 2026): 132.06%
Generations United Federal Credit Union (NCUA charter 24947, established 2023) reported $7.0M in assets and 267 members for Q2 2026 from New York, New York. It ranks 218 of 267 credit unions in New York by total assets. Total assets grew 20.3% from $5.8M on June 30, 2025. It has 161 more members than on June 30, 2025 (+151.9%). Its net worth ratio was down 23.59 percentage points from 68.03% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.7M of $3.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.83% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 46.62% for Q1 2026; 68.03% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.91% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -6.89% for Q1 2026; -14.97% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 112.99% for Q1 2026; 170.81% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.7M
- Commercial loans: $893K
- Used vehicle loans: $538K
- Unsecured credit card loans: $124K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.0M | 44.44% | 0.83% | -5.76% | 132.06% |
| March 31, 2026 | $6.9M | 46.62% | 1.91% | -6.89% | 112.99% |
| December 31, 2025 | $6.8M | 49.43% | 2.37% | -20.77% | 97.39% |
| September 30, 2025 | $6.5M | 56.55% | 0.14% | -17.44% | 106.09% |
| June 30, 2025 | $5.8M | 68.03% | — | -14.97% | 170.81% |
| March 31, 2025 | $5.9M | 71.31% | — | -32.96% | 77.74% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Generations United Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24947) · FFIEC NIC profile (RSSD 5878576)
Frequently asked questions
Is Generations United Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Generations United Federal Credit Union's net worth ratio is 44.44%, above the 7% NCUA threshold for well capitalized.
Is Generations United Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Generations United Federal Credit Union is a federally insured credit union (NCUA charter 24947): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Generations United Federal Credit Union's key safety ratios?
For Q2 2026, Generations United Federal Credit Union reports net worth 44.44%, delinquency 0.83%, ROA -5.76%, loan-to-share 132.06%.
What happens to my money if Generations United Federal Credit Union fails?
For Q2 2026, Generations United Federal Credit Union held $2.5M in shares and deposits for 267 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.