Credit Union Safety Analysis
Is Genesis Employees Credit Union Incorporated Safe? Zanesville, Ohio
Based on its Q2 2026 NCUA 5300 call report, Genesis Employees Credit Union Incorporated has a net worth ratio of 14.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.61%, 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, Genesis Employees Credit Union Incorporated's net worth ratio is 14.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.41%
- Delinquency ratio (60+ days) (Q2 2026): 1.61%
- Return on assets (Q2 2026): 1.65%
- Loan-to-share ratio (Q2 2026): 59.34%
Genesis Employees Credit Union Incorporated (NCUA charter 68451, established 1973) reported $22.2M in assets and 3,535 members for Q2 2026 from Zanesville, Ohio. It ranks 140 of 191 credit unions in Ohio by total assets. Total assets grew 6.1% from $20.9M on June 30, 2025. It has 24 fewer members than on June 30, 2025 (-0.7%). Its net worth ratio was up 0.16 percentage points from 14.25% on June 30, 2025. Used vehicle loans are its largest loan category, $6.8M of $11.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.61% is above 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: 13.95% for Q1 2026; 14.25% 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: 1.09% for Q1 2026; 1.76% for Q2 2025.
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: 1.43% for Q1 2026; 1.55% 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: 58.23% for Q1 2026; 64.42% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.8M
- New vehicle loans: $2.9M
- Other unsecured loans and lines of credit: $888K
- Other secured non-real estate loans and lines of credit: $687K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.2M | 14.41% | 1.61% | 1.65% | 59.34% |
| March 31, 2026 | $22.2M | 13.95% | 1.09% | 1.43% | 58.23% |
| December 31, 2025 | $21.1M | 14.28% | 0.89% | -0.28% | 64.53% |
| September 30, 2025 | $21.1M | 14.37% | 1.79% | 1.06% | 64.44% |
| June 30, 2025 | $20.9M | 14.25% | 1.76% | 1.55% | 64.42% |
| March 31, 2025 | $20.8M | 13.94% | 1.62% | 1.60% | 64.29% |
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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.
Genesis Employees Credit Union Incorporated profile
Regulator records: NCUA credit union profile (charter 68451) · FFIEC NIC profile (RSSD 397296)
Frequently asked questions
Is Genesis Employees Credit Union Incorporated well capitalized?
On its Q2 2026 NCUA 5300 call report, Genesis Employees Credit Union Incorporated's net worth ratio is 14.41%, above the 7% NCUA threshold for well capitalized.
Is Genesis Employees Credit Union Incorporated FDIC insured?
No. The FDIC insures banks, not credit unions. Genesis Employees Credit Union Incorporated is a federally insured credit union (NCUA charter 68451): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Genesis Employees Credit Union Incorporated's key safety ratios?
For Q2 2026, Genesis Employees Credit Union Incorporated reports net worth 14.41%, delinquency 1.61%, ROA 1.65%, loan-to-share 59.34%.
What happens to my money if Genesis Employees Credit Union Incorporated fails?
For Q2 2026, Genesis Employees Credit Union Incorporated held $18.9M in shares and deposits for 3,535 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.