TellerScore

Generations Credit Union (NCUA charter #60429) is based in Rockford, Illinois. Its Q2 2026 call report shows $22.4M in total assets and $18.5M in member shares and deposits and 3 offices.

Generations Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,479 credit unions with under $100 million in assets. Among 188 credit unions headquartered in Illinois, it ranks 21st. Capital cushion contributes the most (100/100, 16.38%); earnings contributes the least (57/100, 0.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.38%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings57/100
Return on assets (annualized): 0.92%
Funding & liquidity100/100
Loans ÷ shares: 52.7% · 0.1% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.28%

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 4 points (87 → 91), mostly because the earnings component improved by 10 points.

TellerScore
818691Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202485
Q4 202481
Q1 202584
Q2 202587
Q3 202587
Q4 202588
Q1 202688
Q2 202691
Net worth ratio
7.00%11.69%16.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.16%
Q3 202415.58%
Q4 202415.14%
Q1 202514.96%
Q2 202515.13%
Q3 202515.69%
Q4 202515.78%
Q1 202615.66%
Q2 202616.38%
Delinquent loans (60+ days)
0.10%0.29%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.16%
Q3 20240.42%
Q4 20240.48%
Q1 20250.43%
Q2 20250.23%
Q3 20250.39%
Q4 20250.19%
Q1 20260.28%
Q2 20260.10%
Return on assets
0.16%0.54%0.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.46%
Q3 20240.58%
Q4 20240.16%
Q1 20250.46%
Q2 20250.68%
Q3 20250.76%
Q4 20250.70%
Q1 20260.85%
Q2 20260.92%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$22.4M16.38%0.10%0.92%52.7%
Q1 202688$23.1M15.66%0.28%0.85%50.7%
Q4 202588$22.6M15.78%0.19%0.70%53.7%
Q3 202587$22.6M15.69%0.39%0.76%52.9%
Q2 202587$23.1M15.13%0.23%0.68%53.6%
Q1 202584$23.0M14.96%0.43%0.46%54.0%
Q4 202481$22.5M15.14%0.48%0.16%57.0%
Q3 202485$22.3M15.58%0.42%0.58%57.2%
Q2 202486$22.6M15.16%0.16%0.46%58.6%

2,479 peers · Under $100 million in assets

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).

Capital ratio16.38%
62nd
Problem loans0.10%
80th
Net charge-offs0.21%
46th
Return on assets0.92%
64th
Loans to deposits52.7%
59th
Uninsured deposits0.1%
62nd
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Chicago Firemans Assoc Credit UnionCredit union Chicago, IL86 out of 100, Very strong$21.4M15.1%0.54%vs
Advantage One Credit UnionCredit union Morrison, IL76 out of 100, Strong$23.5M11.8%0.22%vs
Rockford Municipal Employees Credit UnionCredit union Rockford, IL76 out of 100, Strong$23.6M15.2%0.41%vs
Harvard Community Credit UnionCredit union Harvard, IL51 out of 100, Below average$21.1M6.5%0.03%vs
Tee-Pak Credit UnionCredit union Danville, IL79 out of 100, Strong$23.8M16.3%0.89%vs
Western Illinois School Employees Credit UnionCredit union Quincy, IL83 out of 100, Strong$24.0M16.1%0.17%vs

Deposit insurance

Is my money safe at Generations Credit Union?

Yes. Generations Credit Union is a federally insured credit union (NCUA charter #60429). 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 0.1% of shares and deposits ($18K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Generations Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Generations Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60429
RSSD ID
571498
Primary regulator
State + NCUA
Established
1944
Headquarters
5618 Harrison Ave, Rockford, IL 61108
Employees
7

Quick answers

Generations Credit Union: common questions

Is Generations Credit Union NCUA insured?

Yes. Generations Credit Union is a federally insured credit union (NCUA charter #60429). 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 Credit Union's TellerScore?

91 out of 100 (Very strong), 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 Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rockford

InstitutionScoreAssetsCapitalProblem loansCompare
Linxus Credit UnionCredit union Machesney Park, IL91 out of 100, Very strong$17.5M16.2%0.02%vs
Teachers Credit UnionCredit union Beloit, WI81 out of 100, Strong$37.6M12.2%0.16%vs
Heartland Bank and Trust CompanyBank Bloomington, IL80 out of 100, Strong$6.7B11.9%0.19%vs
First Northern Credit UnionCredit union Chicago, IL78 out of 100, Strong$333.2M11.3%0.71%vs
The First National Bank in AmboyBank Amboy, IL78 out of 100, Strong$324.5M10.7%0.04%vs
Rockford Municipal Employees Credit UnionCredit union Rockford, IL76 out of 100, Strong$23.6M15.2%0.41%vs