# GENESIS EMPLOYEES
Zanesville, OH · NCUA charter 68451 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/genesis-employees-68451

Who the members are: state charter, low-income designated. 3,515 members of 7,500 potential (46.9% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.2M |
| Members | 3,515 (-0.2% YoY) |
| Full-time staff | 5 |
| Net worth | $3.1M |
| Net worth ratio | 14.0% (p44 of band) |
| ROA (annualized) | 1.43% (p84 of band) |
| Total delinquency | 1.09% (p64 of band) |
| Net charge-offs (annualized) | -0.78% (p3 of band) |
| Loans / shares | 58% (p50 of band) |
| Cash / assets | 48.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.67% (p79 of band) |
| Operating expense / assets | 3.64% (p50 of band) |
| Vehicles % of loans | 86% (p92 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 56% |
| Third-party paper % of net worth | 173% (p98 of band) |
| Vehicle delinquency | 0.89% (p62 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 | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 15% |
| Average share balance | $3,279 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $10,995 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 5 | losing money, delinquency rising |  |
| 2017-06 | 4 | net worth falling, members leaving | delinquency 2x band, losing money, delinquency rising |
| 2017-09 | 4 | losing money, delinquency 2x band | net worth falling, members leaving |
| 2017-12 | 4 |  |  |
| 2018-03 | 2 |  | losing money, delinquency 2x band |
| 2018-06 | 4 | net worth falling, delinquency 2x band |  |
| 2018-09 | 3 |  | delinquency 2x band |
| 2018-12 | 2 |  | net worth falling |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | delinquency 2x band |  |
| 2019-09 | 2 |  | delinquency 2x band |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | net worth falling, delinquency 2x band, loan book shrinking |  |
| 2020-09 | 5 | margin squeeze | net worth falling |
| 2020-12 | 4 |  | delinquency 2x band |
| 2021-03 | 4 | delinquency 2x band | loan book shrinking |
| 2021-06 | 4 | net worth falling | delinquency 2x band |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | margin squeeze |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | delinquency rising |  |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 3 | delinquency rising | assets shrinking |
| 2024-03 | 2 |  | delinquency rising |
| 2024-06 | 3 | delinquency rising |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | loan book shrinking | delinquency rising |
| 2025-03 | 4 | delinquency 2x band, delinquency rising | loan book shrinking |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 2 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 3 | net worth falling |  |

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

- 2008-06-03 [Two Credit Unions Merge To Create ‘Genisys’ - The Financial Brand](https://news.google.com/rss/articles/CBMif0FVX3lxTE9URW9FMkVTMjNvTXM1dnpmTWZBbnoxdmJIR2t4Q0JNX2JqWTFHU3IyVEN6bE9YTVRXV01Nb0F2NGo0LUx4dWYwalEtN1IydDVZTzNlSWpDZTVyWW1EcEJkdXBvMkdTRzByTDBsd3RuVVdJY29vZmxMVTlSYm9KOVk?oc=5) · The Financial Brand
- 2015-04-23 [2015 Carr Center Cake Auction: Thursday Cakes 9 a.m.-2:30 p.m. - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMi9wFBVV95cUxOZjB1ekx1ZHgtUFRhRlU0cWIyd25GazRfZ1ZfNFpEZ1k5N1Y5LXd5WGJ2V1hGejJVNzdkckNrMjJNdDVTOENSSFpRM0EzUDVrZXhwbVJ5SWhxdjNRczl3djhsSXA2LWhLeTJyY2Exb20wMk40Q01GS3pTZ3JjdFFpeGg4aThKTmp4SklGNWtHOUx5YXBKZnBzdU1kd3g2c21QaWZVVlIwZXhaeTI1Y2M3RHhteUd4bWUwSFlYcEd2bVQ3VkJ1dUtTdjlDV3pFd1lnd2Q0Nnd4c2l2WGxPYjVHNW9GVE1zaWY3OWdUazJaQmdDSzg2ZVlV?oc=5) · Zanesville Times Recorder
- 2025-05-15 [Mike King replaces Andy Roberts as Sixth Ward representative on Zanesville City Council - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQWXhMck56QUpvekhrQWVCZHZYM2JQRjBKQWZCLVcyaENoYnBqb3RTQ0gybTdXclo0RFJGLVFUeWpWMWVXV0N6UUdCLXdKR3JPUFZ1N3RPdjFBQnc2WXEzYjdyaVhQZksxcFNIZTE2bjgwSk4za2JhUUw3dGlPeDhUWlNtYlNCcThiUHN3Q2hqT1JkMDY1bDJySHUyUGpLV29uVGdmNXRzTXdPbXkyQ0lidnhuYVR3ZDUyQXlKQVF1ZVp4VzFDeElmV3MyNDZlWVFHNDFBMVR5VVBjeUU?oc=5) · Zanesville Times Recorder
- 2017-04-26 [Cake Auction cakes Thursday 8:15-11:45 - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOM1hfZHVYbG9lRzNwWnZlamtFeDFLa3pGcW9zZWtSR1Vpak1CdkNxdjJoNDRtRFd2UGZCbzB3Rk9IWldJTnlyTm9MbG5OTEpZdUlnQ0dLVFc4WnN0eUV0UDh1bWhEZHZaamN1RU1lQ003M05IQnNyeXRKNkpWN1FMaEFEUnd6TnNCQjFrem9vWF9RdnpOeHh4clFYMm9XOF8xYmlFSUhWQ2FsM2d0eEdlZWtTMDRuaF9yNHNjNkMza1VCMXM?oc=5) · Zanesville Times Recorder
- 2019-04-24 [Cake Auction Cakes Thursday Morning - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNRlJ2dHNtNzY0VWp3ZkROU25NYUQyTU5xNmQyaUJIaUtaQzdwMWlFeFFFUkZwOFRDaHRKQW5QdnUyakFPVE50X2hnWjZRZl9FbEdzWWRhVEdsV0FocHZzcHV5MG91emx0dW83WGNfbDdzSjVyM3IyaVdVY1A0MFN1UXFzQk85OWNMVWR4S3JwU3NubjM0RXIwTDNTRmNWT2FUQ1lDa0UtTjlqLVVwVXlUbGJIMGxqdWZicEhaSW91VFhNcmc?oc=5) · Zanesville Times Recorder
- 2017-04-26 [Annual cake auction is Thursday and Friday - Zanesville Times Recorder](https://news.google.com/rss/articles/CBMiuAFBVV95cUxObkg1VGZlMzBTS1JlUV9uN1A2d1ZpMU5VUUlSUDZKSUJkQlhzbzhnM1VyVVl6WlVXSlJ5R2Q5TTdhbDBJaDBrQ2NEN3ZZV01BYkZZSXFDbzAtb05JSjROaXktRGdtbkdlZE1Na0lFZ2E1VEFsSGszbFMyU3pyV1pITWM4Q1lERG9jM0t0R21hUVVaUHUxRVFxQm8ybGlBbWlKb3JyM3NFa19lT052M0JsbUdpNWFtWHBO?oc=5) · Zanesville Times Recorder

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68451 (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/35.json (key "68451", 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=68451
- 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