Headquartered in San Antonio, Texas, Generations Community Federal Credit Union is a federal credit union with $734.6M in total assets and $617.1M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1940.
Based on its Q2 2026 filing, Generations Community Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 380 credit unions headquartered in Texas, it ranks 318th. Its strongest component is problem-loan coverage (85/100; 7.7%), and its lowest is earnings (35/100; 0.38%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (55 → 57), mostly because the earnings component improved by 17 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 53 |
| Q4 2024 | 53 |
| Q1 2025 | 56 |
| Q2 2025 | 55 |
| Q3 2025 | 54 |
| Q4 2025 | 54 |
| Q1 2026 | 58 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 8.97% |
| Q3 2024 | 9.08% |
| Q4 2024 | 9.21% |
| Q1 2025 | 9.25% |
| Q2 2025 | 9.06% |
| Q3 2025 | 9.05% |
| Q4 2025 | 9.15% |
| Q1 2026 | 9.09% |
| Q2 2026 | 9.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.62% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.86% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.80% |
| Q1 2026 | 0.68% |
| Q2 2026 | 0.88% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.24% |
| Q3 2024 | -0.18% |
| Q4 2024 | -0.19% |
| Q1 2025 | -0.17% |
| Q2 2025 | -0.05% |
| Q3 2025 | -0.08% |
| Q4 2025 | -0.04% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.38% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $734.6M | 9.30% | 0.88% | 0.38% | 85.6% |
| Q1 2026 | 58 | $750.4M | 9.09% | 0.68% | 0.32% | 84.6% |
| Q4 2025 | 54 | $738.6M | 9.15% | 0.80% | -0.04% | 88.1% |
| Q3 2025 | 54 | $745.2M | 9.05% | 0.72% | -0.08% | 88.6% |
| Q2 2025 | 55 | $746.9M | 9.06% | 0.72% | -0.05% | 86.7% |
| Q1 2025 | 56 | $737.7M | 9.25% | 0.61% | -0.17% | 84.9% |
| Q4 2024 | 53 | $744.3M | 9.21% | 0.86% | -0.19% | 87.3% |
| Q3 2024 | 53 | $759.2M | 9.08% | 0.78% | -0.18% | 89.8% |
| Q2 2024 | 53 | $769.5M | 8.97% | 0.62% | -0.24% | 89.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Primeway Federal Credit UnionCredit union Houston, TX | 60 out of 100, Moderate | $735.7M | 12.8% | 1.33% | vs |
| Members Choice Credit UnionCredit union Houston, TX | 50 out of 100, Below average | $720.9M | 7.8% | 0.77% | vs |
| Abilene Teachers Federal Credit UnionCredit union Abilene, TX | 95 out of 100, Very strong | $690.4M | 18.8% | 0.31% | vs |
| Texell Credit UnionCredit union Temple, TX | 70 out of 100, Strong | $801.0M | 10.5% | 0.60% | vs |
| Smart Financial Credit UnionCredit union Houston, TX | 69 out of 100, Moderate | $807.5M | 11.8% | 1.16% | vs |
| Complex Community Federal Credit UnionCredit union Odessa, TX | 85 out of 100, Very strong | $818.2M | 13.8% | 0.59% | vs |
Deposit insurance
Is my money safe at Generations Community Federal Credit Union?
Yes. Generations Community Federal Credit Union is a federally insured credit union (NCUA charter #4015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 7.7% of shares and deposits ($47.7M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Generations Community Federal Credit Union lists 4 offices in 1 city. Most locations:
- San Antonio, TX (4)
HMDA 2025
Mortgage lending
In 2025, Generations Community Federal Credit Union reported 350 home-loan applications under HMDA (LEI 549300UX6CADCIYJ3506): 211 originated ($28,405,000 total), 111 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 33.1%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Generations Community Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 4015
- RSSD ID
- 399777
- Primary regulator
- NCUA
- Established
- 1940
- Headquarters
- PO Box 791870, San Antonio, TX 78279
- Employees
- 167
Quick answers
Generations Community Federal Credit Union: common questions
Is Generations Community Federal Credit Union NCUA insured?
Yes. Generations Community Federal Credit Union is a federally insured credit union (NCUA charter #4015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Generations Community Federal Credit Union's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Generations Community Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near San Antonio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Texas Associations of Professionals Federal Credit UnionCredit union San Antonio, TX | 93 out of 100, Very strong | $29.6M | 15.7% | 0.08% | vs |
| Schertz Bank & TrustBank Schertz, TX | 90 out of 100, Very strong | $770.1M | 15.2% | 0.05% | vs |
| Synergy Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $334.2M | 15.8% | 0.29% | vs |
| H E B Federal Credit UnionCredit union San Antonio, TX | 86 out of 100, Very strong | $218.2M | 18.3% | 0.19% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Texas Community BankBank Laredo, TX | 84 out of 100, Strong | $2.2B | 12.8% | 0.20% | vs |