Genisys Credit Union dba Genisys Investment Services Auburn Hills, Michigan
Genisys Credit Union dba Genisys Investment Services is a state-chartered credit union headquartered in Auburn Hills, MI, established in 1964 (NCUA charter 68536), and it is regulated and insured by the NCUA. At Q2 2026 it reported 296,987 members and total assets of $6.56B (up 15.7% from Q2 2025), the 4th largest of 169 credit unions headquartered in Michigan. Its net worth ratio was 15.47% at Q2 2026, in the well capitalized band.
BankRegReports is independent of Genisys Credit Union dba Genisys Investment Services and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 68536
- Headquarters
- Auburn Hills, MI
- Established
- 1964
- Total assets, Q2 2026
- $6.56B
- Assets vs Q2 2025
- +15.7%
- Members, Q2 2026
- 296,987
- Net worth ratio, Q2 2026
- 15.47%
- Latest call report
- Q2 2026, NCUA 5300 · Genisys Credit Union dba Genisys Investment Services call report
- Asset rank in state
- 4th of 169 in Michigan
- Routing number
- 272483905
- Branches
- 34
It has 2,466 more members than on June 30, 2025 (+0.8%). Its net worth ratio was down 0.57 percentage points from 16.04% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $2.49B of $5.39B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.09% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.47% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Michigan
Credit unions merged into Genisys Credit Union dba Genisys Investment Services
Unified Communities Federal Credit Union (2022) · Tri-Pointe Community Credit Union (2015)
Frequently asked about Genisys Credit Union dba Genisys Investment Services
How big is Genisys Credit Union dba Genisys Investment Services?
At Q2 2026 it reported total assets of $6.56B and 296,987 members.
Where is Genisys Credit Union dba Genisys Investment Services headquartered?
It is headquartered in Auburn Hills, MI, United States.
When was Genisys Credit Union dba Genisys Investment Services founded?
It was established in 1964, per NCUA records.
Is Genisys Credit Union dba Genisys Investment Services FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 68536): 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 Genisys Credit Union dba Genisys Investment Services?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Genisys Credit Union dba Genisys Investment Services well capitalized?
Its net worth ratio was 15.47% 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 Genisys Credit Union dba Genisys Investment Services's delinquency ratio?
Its delinquency ratio was 1.09% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Genisys Credit Union dba Genisys Investment Services's loan-to-share ratio?
Its loan-to-share ratio was 98.89% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Auburn Hills, MI 48326
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1964
- NCUA Charter #
- 68536
- RSSD ID
- 1758821
- Members
- 296,987
- Potential members
- 14,105,160
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.47% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.77% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 11.43% | 8.07% | 78th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.36% | 3.45% | 44th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 41.97% | 70.59% | over 90th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.04% | 1.68% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.09% | 0.68% | 23rd bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.40% | 5.12% | 71st position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 98.89% | 88.03% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.56B total assets against $5.67B; $5.45B total shares and deposits against $4.69B; $5.39B total loans against $4.33B.
$1.01B net worth against $909.6M.
15.47% net worth ratio against 16.04%.
98.89% loan-to-share ratio against 92.31%.
1.09% delinquency ratio against 1.09%.
1.77% return on assets against 1.70%; 11.43% return on equity against 10.58%.
3.36% net interest margin against 3.22%.
296,987 members against 294,521.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.47% | 1.77% | 1.09% | 98.89% |
| March 31, 2026 | 15.30% | 1.67% | 0.90% | 92.97% |
| December 31, 2025 | 15.42% | 1.55% | 1.15% | 92.58% |
| September 30, 2025 | 16.14% | 1.90% | 1.02% | 96.08% |
| June 30, 2025 | 16.04% | 1.70% | 1.09% | 92.31% |
| March 31, 2025 | 15.94% | 1.66% | 0.97% | 87.19% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.