# GENISYS
AUBURN HILLS, MI · NCUA charter 68536 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/genisys-68536

Who the members are: state charter, organized 1964, low-income designated. 293,736 members of 14,105,160 potential (2.1% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.44B |
| Members | 293,736 (0.6% YoY) |
| Full-time staff | 531 |
| Net worth | $985.4M |
| Net worth ratio | 15.3% (p94 of band) |
| ROA (annualized) | 1.67% (p96 of band) |
| Total delinquency | 0.90% (p75 of band) |
| Net charge-offs (annualized) | 0.73% (p70 of band) |
| Loans / shares | 93% (p73 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 1.32% |
| Net interest margin | 3.14% (p39 of band) |
| Operating expense / assets | 1.60% (p3 of band) |
| Vehicles % of loans | 25% (p46 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 81% (p34 of band) |
| Vehicle delinquency | 0.61% (p54 of band) |
| Vehicle NCO | 0.94% (p48 of band) |
| Repossessed % of vehicle book | 0.28% (p90 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 68% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 44% |
| Average share balance | $7,837 |
| Participations bought / yr | $41.5M |
| Participations sold / yr | $145.2M |
| Participations outstanding | $117.8M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $24,764 |
| Loans granted, annualized | $2.49B |

## Participation posture (from the same filings)

Bought $41.5M and sold $145.2M in the latest annualized quarter; $117.8M outstanding purchased (12.0% of net worth), $293.5M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 16.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 0 |  | margin squeeze, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | delinquency rising |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 0 |  | net worth falling |
| 2024-09 | 1 | delinquency rising |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | delinquency rising, repo signal |  |
| 2025-06 | 0 |  | delinquency rising, repo signal |
| 2025-09 | 1 | loans>95% of shares |  |
| 2025-12 | 0 |  | loans>95% of shares |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-07-29 [Genisys Credit Union targets West Michigan with new Kentwood branch - Crain's Grand Rapids](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPX2w4dkowdDFVSFRHV0dEN3RJYy14N2NyWjM0RGxpRDBYS1pLbGhvcGFFTmFCZm0tZ3NGNENIUGR3MEZubi1lbndfTWZ5ZzhuQW9QUjQtb1JsM09ZRlhoYW9CSlZWcEkzRUsyRFpvNTZBMlFqcUtfRHppQ2k3cGFvZFBIT1FZZ3M1M0JMVnFiRDJhVWM3ZGszZ2NoR3cxV3NrNGVoRkNuWWFwYVFyM0praEdRQU1uOFpM?oc=5) · Crain's Grand Rapids
- 2026-05-20 [Crash Sends Vehicle into Lobby of Genisys Credit Union in Royal Oak - Oakland County Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxPdUQ2RmpKN04xR0dpZnpNRU5JUl9YaW9NbzBTdlZFUlRBLUZFQlNjS0ZLUVRfaVVrSDktWU5TTHh4MzY4ekJNLWxEaTBsZ1VPZDQtTDFYYXZKQmVTWnFSeG5FaDJFeTN4UVlRUHlZZUN5eS1CT0ItcE5Zb05TVXJ4emd5QjAtSFlaZjlkeXBXZVpSMUZZSnRvaGROMXFMYkRfdjROa1V5Ynd6WjJv?oc=5) · Oakland County Times
- 2026-03-06 [Genisys Credit Union Secures $1.5M to Fund Affordable Housing Units in Michigan - CUTimes](https://news.google.com/rss/articles/CBMiswFBVV95cUxQN1V5SFF2dnI5aTVaaTcxcmJqZHoxUUlQZkVGdnI4NWprc0xQX21VWUFpdlBXV2xZS2k4WVAwa2dFMkZWT1M4dUhPc21ZUDlHaklXLUUwRTc5N24zOVdHck0zd21nY3FfR2FaYlZxcFc4M1NrN3ZpUU1KX21fNlFMNTY5LUxncjRIRVNmZC1lRExfbXVpZENJVDZUeTAtYzhsQ1RwdXBFeV84dExNRlRpRVNwNA?oc=5) · CUTimes
- 2026-04-20 [Michigan Credit Union CEO, Jackie Buchanan, inducted into National Hall of Leaders - thecitizenonline.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNQjJmUXNxZUM2V1FtU3pOY3BYbHpkOEdURVU3eGRRRnVfem9QQmVFam8yX215NXExZk1RVDdJWm5fZFFoZjVLeVV1V1lSclNCWUIzOF9kbDhIRXRlejRWQ3lDcHBDbVRpNUx4b3B2RzU1aE1VRzRNS1ZGUXhLODBuaXlzalN0UWc3ZC1RZnhFUVc0ampLNlBoSkE0YUg3YWQ2V2t4Tk1ZVjVvTWVMM1l6WlIzaXRQaVRFMzBZRTlMeTVsQQ?oc=5) · thecitizenonline.com
- 2026-05-20 [Crash Sends Vehicle into Lobby of Genisys Credit Union in Royal Oak - Oakland County Times](https://news.google.com/rss/articles/CBMivAFBVV95cUxOdm1WS2hpa0lfZXRzVlZJdmlMbFUtbllmSTNydnRwaDJtV0xtUTNOdjRvRkxrUERHTnRpREdKNUhTZVNWUUVhelFHcFlNY0dneFpvcW9KbDNXWWFWM3cwWjlSN0VLbkdZUGZJVUR0QUE0cUV4SnBUdGZXY1k1Z2xPQkVqc2QtenRCUG9JNHFDYXFSVmw3T3JwVW5EMm9GU2tNMEQxZzlKWW9USlllUUNHVElGVnVXTk1Ia3RkXw?oc=5) · Oakland County Times
- 2025-06-24 [Forbes names Genisys Credit Union among Top Credit Unions in Michigan for the 6th straight year - CUInsight](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQcEh3T0swNGdRdlNlOWhRTXJmaEo0aDNQcEVwSEc1bUhueTBNTTZicHN5SG1UWVU4T3VpZmd5VzJCek9qZ2Fvajh1YnBPRUhRU1lGejZfNlJTZ29ucmRmNmE1NGc5ZHZhUkJCbGY3WXgtUUJNbHM3QmMxbHMyX2Ruamw1b19Cd2JuTTRvR01FRHV4RHQyc3NyYVN4SEJkSzNqN3JnamN5dFdWR1IzQk9FRDRnaEU3LWpzSnpBd2Q4M1h0bGkycWNCenI0MUFDczBtanc?oc=5) · CUInsight
- 2025-01-22 [Banking While Queer: Finding Your Financial Safe Space - Pride Source](https://news.google.com/rss/articles/CBMiYkFVX3lxTE4zSW5nR0p1Xy1seFNhM0ZZZGl2WWNDQW95WlI5NXNxUW5qNVN5S09HLS1HNUQyNFpHNXhEWEFnQVpEMk9tM193ZlRLOGlHTjkydm5aQXlLR0tZSVNPREFFOWVR?oc=5) · Pride Source
- 2025-07-09 [Genisys Credit Union welcomes Scott Knopf as vice president of consumer and business lending - CUInsight](https://news.google.com/rss/articles/CBMizgFBVV95cUxQVTVsaWRON0lJM1NxRERfYmQ2Nk9lVXJrZTN5U1htTk5mUzNPOU11UVYyVWtjWnVjMWZiSjNsaUlVa0dIc3ZONERGdFFxSS1ZWUNoOTIwR1NaaW9tTHMtd21UN082WnVsaF9yLTM1bnlrdFRIVkFBS3RJY1dVaUg1Y0J6bkZzNU5TMkU2TmFnMEpvYWVwVUk0QUtGN3AxLW52Wm5vNmcxYm9xcnVOM0hUNEMyZ1Z5R0VzWVJjNFhra3J5R2ZCVEhVa2JjNEdkZw?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68536 (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/56.json (key "68536", 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=68536
- 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