# GENERATIONS
LA PORTE, IN · NCUA charter 23156 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/generations-23156

Who the members are: federal charter, multiple common bond, organized 1978. 1,483 members of 1,567 potential (94.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $12.5M |
| Members | 1,483 (-0.6% YoY) |
| Full-time staff | 3 |
| Net worth | $1.7M |
| Net worth ratio | 13.7% (p42 of band) |
| ROA (annualized) | 1.60% (p87 of band) |
| Total delinquency | 0.46% (p43 of band) |
| Net charge-offs (annualized) | -0.09% (p12 of band) |
| Loans / shares | 64% (p59 of band) |
| Cash / assets | 43.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.59% (p76 of band) |
| Operating expense / assets | 3.98% (p60 of band) |
| Vehicles % of loans | 88% (p95 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.45% (p50 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 95% |
| Certificates % of member funds | 2% |
| Average share balance | $4,315 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $6,485 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | auto monoline |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 3 | thin capital, net worth falling | losing money, delinquency rising |
| 2017-09 | 1 |  | thin capital, net worth falling |
| 2017-12 | 2 | thin capital |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 3 | delinquency rising, assets shrinking |  |
| 2019-03 | 2 |  | assets shrinking |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 | margin squeeze | net worth falling |
| 2020-12 | 4 | thin capital, loan book shrinking |  |
| 2021-03 | 5 | net worth falling, losing money | loan book shrinking |
| 2021-06 | 3 |  | net worth falling, losing money |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | thin capital |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 2 | charge-offs p90 | assets shrinking |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-20 [Why a former Generations FCU board member was shut out of data breach settlement - San Antonio Express-News](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVEkwbDMtSjNxY1N5OU5QdTEzX0M4bExHU3FYMHNaZmlzRkhsQ0dFV2VfMEhGSXVxNElPR3JRY2s0SGdCRWFPenlSeFFfc0g1RV9ZM3hZX3Z3cFNWM1BrSDg1T3J2STFaUHZBYk9yTFp0NTV5Q0VaM1ZaVnZtR1RoNUdmQTRsYXVJNHUtdy1OOHVtRUN6T3g4eXJRaTFWRWcxa2FTX1NlZ2M?oc=5) · San Antonio Express-News
- 2026-01-09 [Gen Z and Millennial member acquisition: What these generations actually want from credit unions - CUInsight](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUXhxVktiRkxUdnVIVGQtZmFNbFpURmpCQlB1ckY0VW92VExrTW5DX1VfZWhDeWF0SGItUHFkdGF6SkE2OXdScGhmZWVPSXBYajdyT1Z1azFsRmNTejF2OEJ5QnJJVktvNmYwOVBNdlhnR3ZsMzFJZF93bmx3aENkSDhQTlVXMnRpMkhKRi1zaTFMNmhSU1VfeTI0VmhYeko1UFd0ZEt5cXdPb1BMdHV2OF9tSTdmem1aeHB4VjZHbw?oc=5) · CUInsight
- 2026-01-02 [ESL Federal Credit Union starts in Medina at former Generations Bank site - Orleans Hub](https://news.google.com/rss/articles/CBMingFBVV95cUxNbTNtQ3J1Mm5peFh5eFJ3MU03dWNURzBCdTVNWFlIb1kzVGtqSl9Ja0NwZzU5NWMtaDd0NkF5VWl1OEtqVTlnbXZkTUxNMDFzbFZUYnhtQ1RoV0NocmZRM1g2SFAwRlRQSmtGdW5YazFUX1h6ZThJZFpvaVJoUHJreWplLUx1T2lPMkVMRHNzNkg0Y3JoTjV4c20zWXk0dw?oc=5) · Orleans Hub
- 2025-10-11 [ESL Federal Credit Union to consolidate Generations Bank locations in Auburn - auburnpub.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxQY2xLVEdBS3hfWnpmUjRnQWdkYXptSGVwcDJCdmNPZzFRN3ZoWHExMDBKQVk0aEp1M3hOWHpsM3ZYTVZQNXNrbTlVOHgxaDRtRjI3WGdROTl5aGl6UzVmVW05SS1tdDFKOVc0aHdiaGF3Yk9aQ1VSbm5GaUJRTHJUNld3UjBRQVVSOG5tcS1hRTVCdkc5aWc?oc=5) · auburnpub.com
- 2026-06-29 [Built by a community, shaped by generations: Pennyburn Credit Union celebrates 60 years in the heart of Derry - Derry Journal](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPZ05zVE9pZExFLXYzcGhGMVkyRmJGbWszdGh6RjE2Nk1YVFlGNUQ1bHpWUFRKY0hzZmg4SURpVDNzdHZ1MV8xX05lS1hwRGc1NEFjU0JEcDFTZ2pMZDZnbW9YUUhldXdkQVBmVnpLOTlaY3p1QWxKeFVfNlhfbFVQdHV5OFBGdzEwRnBfckdGRGh6ZzNPelZhdDVIMVY2QnlvYTBlNkxXNmhCbmhGbld0bHdIc3BpS0dHUzNGVFMyQ2R0Q1lZVWJOd0c2SXMxSlB5YVROa2duT3VTSTBDTHRQWVl4SUwxdm1CcXBiWGRZQjVKZw?oc=5) · Derry Journal
- 2024-09-24 [NY credit union-bank tie-up pushes 2024 to brink of M&A record - Banking Dive](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeTdUemZUVXQ1N2lBVTVHLTNRdTAwQ3A0cnkyclhiRGF4US1xVVh0aWJSS0Q4cE9HX1BWMm5Id2dfOUdyeElsR2J2VnNtendiV3FrTDVGTTlMYWlVbFl5OFBXc1kxSFY3eExxZGVSU2tEak9YMWc4Z3dGajJ4ZV9FQ0hFUWFZU19TdzRNWWp4aVlJX1E?oc=5) · Banking Dive
- 2025-08-26 [New UCC-focused credit union opens - United Church of Christ](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9uLXhUSk5HMjFqdXAwLWM4NEl5QU9CWThmaE9TRUZRaXhwbVkwb3VzdmdwbkNQbmJ2MExzNzZZalRreHlVaEd0ZGEtT0JhYnFiS0pFTUJsa0RCaTF4VklXdTZOei1pdw?oc=5) · United Church of Christ
- 2024-10-01 [Generations Federal Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWDhuR0dfOXBDdDlNVmdtT1dKQll6VE9NbFVrOW9WLUxSVUlvbGQ4dkRfTFI1dnJ6dGVYRmU0RE1PR2VDUFdaOWdDQldOaTg0WV9MSll6NHpadTBQMnM4c1UzaldmSk1OSHE2Z1dHbGhjQkN3MTZ0SW5mZXJaV3liLWE3V09tb05WQ2cxTTlRdzBoTnJKNV9NT183akpaNXc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23156 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/52.json (key "23156", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23156
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide