# GENCO
Waco, TX · NCUA charter 8585 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/genco-8585

Who the members are: federal charter, community charter, organized 1953, low-income designated. 38,363 members of 270,000 potential (14.2% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *auto monoline*. 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 | $490.9M |
| Members | 38,363 (-1.7% YoY) |
| Full-time staff | 90 |
| Net worth | $67.9M |
| Net worth ratio | 13.8% (p81 of band) |
| ROA (annualized) | 1.80% (p95 of band) |
| Total delinquency | 0.28% (p20 of band) |
| Net charge-offs (annualized) | 0.63% (p72 of band) |
| Loans / shares | 54% (p11 of band) |
| Cash / assets | 22.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.37% (p38 of band) |
| Operating expense / assets | 3.25% (p32 of band) |
| Vehicles % of loans | 76% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 31% |
| Third-party paper % of net worth | 78% (p49 of band) |
| Vehicle delinquency | 0.23% (p19 of band) |
| Vehicle NCO | 0.36% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 13% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 25% |
| Average share balance | $6,127 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $14,183 |
| Loans granted, annualized | $83.9M |

## Flags firing in the latest filing

- **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 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling, margin squeeze |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | net worth falling |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | delinquency rising |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | 3rd-party paper>100% NW |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2025-10-24 [Wanted Bell County man arrested in Lorena, charged with drug possession - kcentv.com](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNM2N2OGQxbTRQYVRvY1FPbGs1MFlWVUUtWkVKZE1zdldERjBaaFFkTzZGNldoTHJxNkxHbGhIUVY4Q3pKSG1UZzBUZmpiOC0zUmV3WXlpMlJZc1REMS15b0ZVaXM4UHV2cUNuUVBRTXd3MFlnc25iWUlqQWw3NzZzRS1namhOQ3dnMVJuTnI4QS1mQWs0SklxZ3NieHBsSWs5Umx1MDR1M0l2MWN3MEZoZEVWSWQ1clhuMkowZHRNUzBLODRXZFRqQ29vUURSRkZEaFNLZHU1MWwwTm5ZaXhpbTNRUWY?oc=5) · kcentv.com
- 2025-07-22 [Billy F. Spivey Obituary July 22, 2025 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiZEFVX3lxTE0zZmFxcGpHR19FZGV6OTREV3BDb3JHeU1iNXE5QXBOV0I2dFZsM0RvRWlyRFVmbDNtdzBROUl2TFNrYUV2RmNEaFZSaS1YOTdpeWg1aFRHbV9pQzk0MEFydDFqTDQ?oc=5) · Grace Gardens Funeral Home & Crematorium
- 2018-06-12 [Lorena: Man accused of robbing credit union named in federal complaint - KWTX](https://news.google.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?oc=5) · KWTX
- 2013-07-05 [Lufkin man who returns $500: 'No good deed goes unseen' - KTRE](https://news.google.com/rss/articles/CBMiZkFVX3lxTE15SkctdXZ2RUg2ekJBN21SUTNTSm5PUWlvNEFnTjM3YkV2SkZLLVBMWmZDNG9aa28xeXk4cFVMLUdBQ0pvRjdGb3FRYjhfNlZqd0JKYVozVGhFdVFtX2NDWTBBVlhBd9IBeEFVX3lxTFBmYklWMkh3UU1KMUlLYzdCWF9MZHJCbXRLSkM1N1VjMUIxa2ZLZFJpRzBONVVMZkRmQWEyaS0wRjl2UXBPTjJrWHlmX0d3WWE3aVkzVkZXX294NkduZEtYU3dfZjg1QnJrdzdJNHU2czlJVzA3MnY5ZA?oc=5) · KTRE
- 2020-11-03 [J. D. Phipps Obituary November 3, 2020 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiYEFVX3lxTE9WNC1XV05kdzdhQV8zWEtpa3NjRUZyWDdvOS0xOWVJMGJYYjlLdmw0eXNoQ0hYRm9PZi0yNmpsNE1oX0FHZUZ4dkFRME5tLVRGZGRMaG5pbXpJVUxwX01fVA?oc=5) · Grace Gardens Funeral Home & Crematorium
- 2024-03-28 [Billy Laughlin Obituary (1934 - 2024) - Waco, TX - Waco Tribune-Herald - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNZDgwUUlBWEcxQ2hoTXd3T3FUR1lmUlJNQzFUX3Zad1Zya1BIMWtIUTN4YWtlY0tVS2hWVk1DYkE3OEdKb3dNa19ldENOa3dLWjltemRLdlNvaFBwZTR4UVlhaTZwbEw4aXlMeG95VDlDSGwtcEI5bDRQZkhPZS1KaXI5RTFia1hUckRWa3Jpcw?oc=5) · legacy.com
- 2011-09-03 [Jerry Vidrine Obituary September 3, 2011 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9VV3BRbVVnUVJBTjBWbDJQSGdwRHNyLU1MSUVoWjFhOUsxYzVXc1VHWGM1WlpTTTROYmN3Q3FvNmZ0ZFhSc2dGbE1WWnBTV184THZrMnJmLU9aNU96Z2VzbnlMbzdxUQ?oc=5) · Grace Gardens Funeral Home & Crematorium
- 2014-01-10 [John "Ty" Tatum Obituary January 10, 2014 - Grace Gardens Funeral Home & Crematorium](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9xNDZrRmxvV3FRamFsZnk0T2FmRDlSOUZsU2JjQ1o4RUt0cno3MFFyRUc0UEtiZzM2dzJMaHlEWklkZVdkcWQxSVFVOXV5aE81TVZuSmNUSHotRi1XRlUtaFR3?oc=5) · Grace Gardens Funeral Home & Crematorium

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8585 (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/9.json (key "8585", 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=8585
- 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