Credit Union Safety Analysis
Is Genisys Credit Union dba Genisys Investment Services Safe? Auburn Hills, Michigan
Based on its Q2 2026 NCUA 5300 call report, Genisys Credit Union dba Genisys Investment Services has a net worth ratio of 15.47%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.09%, 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, Genisys Credit Union dba Genisys Investment Services's net worth ratio is 15.47%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.47%
- Delinquency ratio (60+ days) (Q2 2026): 1.09%
- Return on assets (Q2 2026): 1.77%
- Loan-to-share ratio (Q2 2026): 98.89%
Genisys Credit Union dba Genisys Investment Services (NCUA charter 68536, established 1964) reported $6.56B in assets and 296,987 members for Q2 2026 from Auburn Hills, Michigan. It ranks 4 of 169 credit unions in Michigan by total assets. Total assets grew 15.7% from $5.67B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 15.30% for Q1 2026; 16.04% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.90% for Q1 2026; 1.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.67% for Q1 2026; 1.70% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.97% for Q1 2026; 92.31% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $2.49B
- Used vehicle loans: $1.07B
- Commercial loans: $720.9M
- Other unsecured loans and lines of credit: $404.5M
- Other secured non-real estate loans and lines of credit: $343.3M
- New vehicle loans: $254.3M
- Unsecured credit card loans: $109.9M
- Non-federally guaranteed student loans: $1.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.56B | 15.47% | 1.09% | 1.77% | 98.89% |
| March 31, 2026 | $6.44B | 15.30% | 0.90% | 1.67% | 92.97% |
| December 31, 2025 | $6.21B | 15.42% | 1.15% | 1.55% | 92.58% |
| September 30, 2025 | $5.80B | 16.14% | 1.02% | 1.90% | 96.08% |
| June 30, 2025 | $5.67B | 16.04% | 1.09% | 1.70% | 92.31% |
| March 31, 2025 | $5.55B | 15.94% | 0.97% | 1.66% | 87.19% |
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Free to use. It shows Genisys Credit Union dba Genisys Investment Services’s latest filed figures and updates each quarter.
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.
Genisys Credit Union dba Genisys Investment Services profile
Regulator records: NCUA credit union profile (charter 68536) · FFIEC NIC profile (RSSD 1758821)
Frequently asked questions
Is Genisys Credit Union dba Genisys Investment Services well capitalized?
On its Q2 2026 NCUA 5300 call report, Genisys Credit Union dba Genisys Investment Services's net worth ratio is 15.47%, above the 7% NCUA threshold for well capitalized.
Is Genisys Credit Union dba Genisys Investment Services FDIC insured?
No. The FDIC insures banks, not credit unions. Genisys Credit Union dba Genisys Investment Services is a federally insured credit union (NCUA charter 68536): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Genisys Credit Union dba Genisys Investment Services's key safety ratios?
For Q2 2026, Genisys Credit Union dba Genisys Investment Services reports net worth 15.47%, delinquency 1.09%, ROA 1.77%, loan-to-share 98.89%.
What happens to my money if Genisys Credit Union dba Genisys Investment Services fails?
For Q2 2026, Genisys Credit Union dba Genisys Investment Services held $5.45B in shares and deposits for 296,987 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.