Headquartered in New York, New York, Generations United Federal Credit Union is a federal credit union with $7.0M in total assets and $2.5M in member shares and deposits as of Q2 2026.
Based on its Q2 2026 filing, Generations United Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 176th. Its strongest component is capital cushion (100/100; 44.44%), and its lowest is earnings (0/100; -6.27%).
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 fell 8 points (73 → 65), mostly because the loan quality component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 80 |
| Q4 2024 | 80 |
| Q1 2025 | 77 |
| Q2 2025 | 73 |
| Q3 2025 | 72 |
| Q4 2025 | 54 |
| Q1 2026 | 56 |
| Q2 2026 | 65 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 95.97% |
| Q3 2024 | 88.48% |
| Q4 2024 | 86.28% |
| Q1 2025 | 71.31% |
| Q2 2025 | 68.03% |
| Q3 2025 | 56.55% |
| Q4 2025 | 49.43% |
| Q1 2026 | 46.62% |
| Q2 2026 | 44.44% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.14% |
| Q4 2025 | 2.37% |
| Q1 2026 | 1.91% |
| Q2 2026 | 0.83% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -6.91% |
| Q3 2024 | -8.17% |
| Q4 2024 | -9.35% |
| Q1 2025 | -32.96% |
| Q2 2025 | -24.08% |
| Q3 2025 | -20.18% |
| Q4 2025 | -19.80% |
| Q1 2026 | -6.89% |
| Q2 2026 | -6.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $7.0M | 44.44% | 0.83% | -6.27% | 132.1% |
| Q1 2026 | 56 | $6.9M | 46.62% | 1.91% | -6.89% | 113.0% |
| Q4 2025 | 54 | $6.8M | 49.43% | 2.37% | -19.80% | 97.4% |
| Q3 2025 | 72 | $6.5M | 56.55% | 0.14% | -20.18% | 106.1% |
| Q2 2025 | 73 | $5.8M | 68.03% | 0.00% | -24.08% | 170.8% |
| Q1 2025 | 77 | $5.9M | 71.31% | 0.00% | -32.96% | 77.7% |
| Q4 2024 | 80 | $5.4M | 86.28% | 0.00% | -9.35% | 1.5% |
| Q3 2024 | 80 | $5.5M | 88.48% | 0.00% | -8.17% | 28.0% |
| Q2 2024 | 73 | $5.2M | 95.97% | — | -6.91% | 0.0% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Crouse Hinds Employees Federal Credit UnionCredit union Syracuse, NY | 84 out of 100, Strong | $6.9M | 12.1% | 0.13% | vs |
| Concord Federal Credit UnionCredit union Brooklyn, NY | 68 out of 100, Moderate | $6.9M | 11.1% | 0.00% | vs |
| Grand Central Terminal Employees Federal Credit UnionCredit union New York, NY | 64 out of 100, Moderate | $6.6M | 11.9% | 0.77% | vs |
| Griffith Institute Employees Federal Credit UnionCredit union Springville, NY | 64 out of 100, Moderate | $6.5M | 9.0% | 0.56% | vs |
| Everest Federal Credit UnionCredit union Jackson Heights, NY | 35 out of 100, Low | $7.6M | 8.7% | 5.40% | vs |
| Utica Police Department Federal Credit UnionCredit union Utica, NY | 52 out of 100, Below average | $6.3M | 27.6% | 4.55% | vs |
Deposit insurance
Is my money safe at Generations United Federal Credit Union?
Yes. Generations United Federal Credit Union is a federally insured credit union (NCUA charter #24947). 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 44.44%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
Identity & history
Profile
- Legal name
- Generations United Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24947
- RSSD ID
- 5878576
- Primary regulator
- NCUA
- Established
- 2023
- Headquarters
- 420 Lexington Ave Rm 850, New York, NY 10170
- Employees
- 4
Quick answers
Generations United Federal Credit Union: common questions
Is Generations United Federal Credit Union NCUA insured?
Yes. Generations United Federal Credit Union is a federally insured credit union (NCUA charter #24947). 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 United Federal Credit Union's TellerScore?
65 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.