Genisys
Auburn Hills, MI · Charter 68536 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 33 branches
Q2 2026
$6.6BAssets
$5.4BLoans
$5.5BShares
$1.0BNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of credit unions $1B-$10B in assets (rank 3 of 435).
- Widest gap: nonperforming loans / loans trails 77% of credit unions $1B-$10B in assets (rank 338 of 435).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.70%
Rank 19 of 435
Net Interest Margin
3.22%
Rank 267 of 435
Efficiency Ratio
40.64%
Rank 3 of 435
Equity / Assets
15.47%
Rank 31 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.55% | 0.81% | 1.14% | Beats 96% | 19 / 435 | | |
| Return on Equity | 11.02% | 5.12% | 7.41% | 9.70% | Beats 85% | 66 / 435 | | |
| Net Interest Margin | 3.22% | 3.01% | 3.39% | 3.75% | Beats 39% | 267 / 435 | | |
| Efficiency Ratio | 40.64% | 65.25% | 71.39% | 77.86% | Beats 100% | 3 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.09% | 0.45% | 0.69% | 1.05% | Beats 23% | 338 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 9.81% | 10.84% | 12.63% | Beats 93% | 31 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.47% | 9.81% | 10.84% | 12.63% | Beats 93% | 31 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 98.89% | 78.33% | 88.38% | 95.61% | 82nd pctl | 79 / 435 | | |
| Loans / Assets | 82.25% | 67.69% | 74.58% | 80.80% | 83rd pctl | 72 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |