TellerScore

Genisys Credit Union is a federally insured state-chartered credit union headquartered in Auburn Hills, Michigan, in business for about 62 years. At the end of Q2 2026 it reported $6.6B in total assets and $5.5B in member shares and deposits, with 33 offices across 2 states.

Based on its Q2 2026 filing, Genisys Credit Union scores 81/100, which we describe as strong. That is higher than 89% of 454 credit unions with $1 billion – $10 billion. Among 169 credit unions headquartered in Michigan, it ranks 39th. Its strongest component is capital cushion (100/100; 15.47%), and its lowest is funding & liquidity (61/100; 99% loans-to-deposits, 8% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.47%
Loan quality64/100
Loans 60+ days delinquent ÷ total loans: 1.09%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity61/100
Loans ÷ shares: 98.9% · 8.4% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.32%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (82 → 81).

TellerScore
818486Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202483
Q4 202483
Q1 202584
Q2 202582
Q3 202583
Q4 202581
Q1 202684
Q2 202681
Net worth ratio
7.00%11.63%16.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.80%
Q3 202416.04%
Q4 202416.25%
Q1 202515.94%
Q2 202516.04%
Q3 202516.14%
Q4 202515.42%
Q1 202615.30%
Q2 202615.47%
Delinquent loans (60+ days)
0.77%0.96%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20241.07%
Q4 20241.04%
Q1 20250.97%
Q2 20251.09%
Q3 20251.02%
Q4 20251.15%
Q1 20260.90%
Q2 20261.09%
Return on assets
1.59%1.65%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.68%
Q3 20241.71%
Q4 20241.63%
Q1 20251.66%
Q2 20251.66%
Q3 20251.71%
Q4 20251.59%
Q1 20261.67%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$6.6B15.47%1.09%1.70%98.9%
Q1 202684$6.4B15.30%0.90%1.67%93.0%
Q4 202581$6.2B15.42%1.15%1.59%92.6%
Q3 202583$5.8B16.14%1.02%1.71%96.1%
Q2 202582$5.7B16.04%1.09%1.66%92.3%
Q1 202584$5.6B15.94%0.97%1.66%87.2%
Q4 202483$5.3B16.25%1.04%1.63%88.3%
Q3 202483$5.3B16.04%1.07%1.71%87.3%
Q2 202486$5.2B15.80%0.77%1.68%86.7%

454 peers · $1 billion – $10 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).

Capital ratio15.47%
93rd
Problem loans1.09%
22nd
Net charge-offs0.59%
42nd
Return on assets1.70%
96th
Loans to deposits98.9%
17th
Uninsured deposits8.4%
57th
Loan-loss reserves0.00%
50th
Texas ratio6.3%
34th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
DFCU Financial Credit UnionCredit union Dearborn, MI82 out of 100, Strong$8.0B12.6%0.63%vs
United Federal Credit UnionCredit union St Joseph, MI75 out of 100, Strong$4.4B11.9%0.71%vs
Michigan Schools and Government Credit UnionCredit union Clinton Townshi, MI76 out of 100, Strong$4.4B12.6%0.61%vs
Michigan State University Federal Credit UnionCredit union East Lansing, MI51 out of 100, Below average$8.9B9.0%1.24%vs
Advia Credit UnionCredit union Kalamazoo, MI64 out of 100, Moderate$4.1B9.7%0.70%vs
Consumers Credit UnionCredit union Oshtemo, MI65 out of 100, Moderate$2.9B9.4%0.40%vs

Deposit insurance

Is my money safe at Genisys Credit Union?

Yes. Genisys Credit Union is a federally insured credit union (NCUA charter #68536). 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 8.4% of shares and deposits ($457.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.47%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

33 locations

Branches

Genisys Credit Union lists 33 offices in 27 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Genisys Credit Union reported 5,178 home-loan applications under HMDA (LEI 549300QIUZLVR1OLDH55): 3,566 originated ($1,194,070,000 total), 845 denied, and 653 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.7%, 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
Genisys Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68536
RSSD ID
1758821
Primary regulator
State + NCUA
Established
1964
Headquarters
2100 Executive Hills Dr, Auburn Hills, MI 48326
Employees
586

Quick answers

Genisys Credit Union: common questions

Is Genisys Credit Union NCUA insured?

Yes. Genisys Credit Union is a federally insured credit union (NCUA charter #68536). 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 Genisys Credit Union's TellerScore?

81 out of 100 (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 Genisys Credit Union have?

33 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Auburn Hills

InstitutionScoreAssetsCapitalProblem loansCompare
The Local Credit UnionCredit union Sterling Height, MI92 out of 100, Very strong$106.6M16.1%0.26%vs
Sovita Credit UnionCredit union Flint, MI90 out of 100, Very strong$592.0M16.1%0.31%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Cha-Tel Federal Credit UnionCredit union Charleston, WV86 out of 100, Very strong$11.5M13.6%0.04%vs
Zeal Credit UnionCredit union Livonia, MI83 out of 100, Strong$1.1B19.8%1.50%vs
Ukrainian Selfreliance Michigan Federal Credit UnionCredit union Warren, MI83 out of 100, Strong$140.0M13.5%0.39%vs