TellerScore

Generations Federal Credit Union is a federal credit union headquartered in LA Porte, Indiana, in business for about 48 years. At the end of Q2 2026 it reported $12.2M in total assets and $10.4M in member shares and deposits, with 2 offices.

Generations Federal Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 85% of its 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 15th. Funding & liquidity contributes the most (95/100, 65% loans-to-deposits, 0% uninsured); earnings contributes the least (79/100, 1.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.37%
Loan quality80/100
Loans 60+ days delinquent ÷ total loans: 0.59%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity95/100
Loans ÷ shares: 65.2% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.27%

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 9 points (79 → 88), mostly because the earnings component improved by 21 points.

TellerScore
667991Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202469
Q4 202483
Q1 202574
Q2 202579
Q3 202588
Q4 202591
Q1 202688
Q2 202688
Net worth ratio
7.00%10.68%14.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.27%
Q3 202411.84%
Q4 202412.72%
Q1 202511.98%
Q2 202512.76%
Q3 202513.59%
Q4 202513.99%
Q1 202613.72%
Q2 202614.37%
Delinquent loans (60+ days)
0.08%0.66%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.24%
Q3 20241.15%
Q4 20240.19%
Q1 20250.31%
Q2 20250.54%
Q3 20250.14%
Q4 20250.08%
Q1 20260.46%
Q2 20260.59%
Return on assets
0.31%0.95%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.85%
Q4 20241.09%
Q1 20250.31%
Q2 20250.96%
Q3 20251.34%
Q4 20251.54%
Q1 20261.60%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$12.2M14.37%0.59%1.47%65.2%
Q1 202688$12.5M13.72%0.46%1.60%63.8%
Q4 202591$11.9M13.99%0.08%1.54%68.2%
Q3 202588$11.7M13.59%0.14%1.34%68.1%
Q2 202579$12.0M12.76%0.54%0.96%67.1%
Q1 202574$12.4M11.98%0.31%0.31%62.8%
Q4 202483$11.6M12.72%0.19%1.09%70.5%
Q3 202469$12.1M11.84%1.15%0.85%67.9%
Q2 202466$12.4M11.27%1.24%0.70%66.0%

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 ratio14.37%
50th
Problem loans0.59%
55th
Net charge-offs-0.02%
88th
Return on assets1.47%
84th
Loans to deposits65.2%
41st
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.3%
50th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
A H E Plant 3 Federal Credit UnionCredit union Winchester, IN100 out of 100, Very strong$12.2M19.9%0.07%vs
Gesb Sheet Metal Workers Federal Credit UnionCredit union Portage, IN77 out of 100, Strong$11.8M11.1%0.00%vs
Wayne County Federal Credit UnionCredit union Richmond, IN89 out of 100, Very strong$13.5M14.3%0.00%vs
Profinance Federal Credit UnionCredit union Merrillville, IN59 out of 100, Moderate$15.0M20.0%3.79%vs
Tippecanoe Federal Credit UnionCredit union Lafayette, IN75 out of 100, Strong$15.4M12.9%0.64%vs
Finans Federal Credit UnionCredit union Hammond, IN48 out of 100, Below average$8.9M11.6%3.04%vs

Deposit insurance

Is my money safe at Generations Federal Credit Union?

Yes. Generations Federal Credit Union is a federally insured credit union (NCUA charter #23156). 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 0.0% of shares and deposits ($0) 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 14.37%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

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

All branch addresses and map

Identity & history

Profile

Legal name
Generations Federal Credit Union
Type
Federal credit union
NCUA charter #
23156
RSSD ID
790383
Primary regulator
NCUA
Established
1978
Headquarters
706 Boyd Blvd, LA Porte, IN 46350
Employees
6

Quick answers

Generations Federal Credit Union: common questions

Is Generations Federal Credit Union NCUA insured?

Yes. Generations Federal Credit Union is a federally insured credit union (NCUA charter #23156). 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 Federal Credit Union's TellerScore?

88 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 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near LA Porte

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of PorterBank Porter, IN90 out of 100, Very strong$162.3M16.8%0.00%vs
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs
Beacon Credit UnionCredit union Wabash, IN76 out of 100, Strong$1.8B13.5%0.47%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs
United Federal Credit UnionCredit union St Joseph, MI75 out of 100, Strong$4.4B11.9%0.71%vs
Country Heritage Credit UnionCredit union Buchanan, MI75 out of 100, Strong$51.4M22.5%1.54%vs