Generations Federal Credit Union

Generations Federal Credit Union Locations
123 N. Medina St.
San Antonio, TX 78207
210-229-1800
www.mygenfcu.org

Generations Federal Credit Union is headquartered in San Antonio and is the 40th largest credit union in the state of Texas. It is also the 488th largest credit union in the nation. It was established in 1940 and as of September of 2011, it had grown to 151 employees and 46,613 members. Generations Federal Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Generations Federal Credit Union Routing Number: 314088572

Related Posts

One Year CD Yield as High as 4.40% at Generations FCU in Texas - 12/16/2008

Update 12/19/08: The CD rates have fallen. Please check the credit union's website for the latest rates.Generations FCU continues to offer competitive CD rates. The best rates are on its Jumbo Term Share Certificates. These include a 4.10% APY 6-month...

4.40% 12-Month / 4.10% 6-Month Jumbo CDs at Generations FCU in Texas - 10/28/2008

Generations FCU is offering some attractive short-term CD rates. The best rates are on its Jumbo Term Share Certificates. These include a 4.10% APY 6-month CD, a 4.40% APY 12-month CD, and a 4.50% APY 24-month CD. These require a minimum deposit of...

6.00% 6-Month CD at a San Antonio CU (Generations). - 3/11/2008

Update 3/15/08: The special CD is no longer listed at the credit union's website.generations community federal credit union is celebrating the change of its name from San Antonio City Employees FCU to generations community FCU by offering a special 6.00%...



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See Rates for: Savings | Money Market | CD | IRA

Generations Federal Credit Union Savings Account Rates

ApyMinMaxProduct
1.00%--Variable IRA Savings
0.25%--Basic Shares

Generations Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.65%$50k-Money Market Account

Generations Federal Credit Union CD Rates

ApyMinMaxProduct
2.15%--60 Month Share Certificate
1.60%$100k-36 Month Jumbo CD
1.50%--36 Month Share Certificate
1.15%$100k-24 Month Jumbo CD
1.00%--24 Month Share Certificate
0.90%$100k-12 Month Jumbo CD
0.75%--12 Month Share Certificate
0.60%$100k-6 Month Jumbo CD
0.45%--6 Month Share Certificate
0.45%$100k-3 Month Jumbo CD
0.40%$30k-3 Month Mini Jumbo Term Share Certificate

Generations Federal Credit Union IRA Rates

ApyMinMaxProduct
2.15%$250-60 Month IRA Share Certificate
2.15%$250-60 Month Roth IRA Share Certificate
2.15%$250-60 Month SEP Share Certificate
2.15%$250-60 Month CESA Share Certificate
1.50%$250-36 Month IRA Share Certificate
1.50%$250-36 Month Roth IRA Share Certificate
1.50%$250-36 Month SEP Share Certificate
1.50%$250-36 Month CESA Share Certificate
1.00%$250-24 Month IRA Share Certificate
1.00%$250-24 Month Roth IRA Share Certificate
1.00%$250-24 Month SEP Share Certificate
1.00%$250-24 Month CESA Share Certificate
0.80%$250-18 Month CESA Share Certificate
0.80%$250-18 Month IRA Share Certificate
0.80%$250-18 Month Roth IRA Share Certificate
0.80%$250-18 Month SEP Share Certificate
0.75%$250-12 Month IRA Share Certificate
0.75%$250-12 Month Roth IRA Share Certificate
0.75%$250-12 Month SEP Share Certificate
0.75%$250-12 Month CESA Share Certificate

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


GENERATIONS COMMUNITY
NCUA #4015
BankRate ReportView
Year Established1940
Employees151
Primary Regulator

Assets and Liabilities

Assets$394.41 million
Loans$237.27 million
Deposits$348.76 million
Equity Capital$41.67 million
Loan Loss Allowance$4.41 million
Unbacked Noncurrent Loans$3.86 million

Historic Data - September 2010

Assets$391.22 million
Equity Capital$36.01 million
Loan Loss Allowance$5.41 million
Unbacked Noncurrent Loans$3.93 million

Profit Margin - Quarterly

Net Interest Margin4.72%
Return on Assets1.17%
Return on Equity11.09%
Interest Income$16.45 million
Non-Interest Income$6.72 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Generations Federal Credit Union had $3.86 million in non-current loans and owned real-estate with $46.08 million in equity and loan loss allowances on hand to cover it. This gives Generations Federal Credit Union a Texas Ratio of 8.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for Generations Federal Credit Union held steady from 9.48% as of September 30, 2010 to 8.37% as of September 30, 2011, resulting in a positive change of 11.71%.This indicates that the balance sheet and financial strength for Generations Federal Credit Union has held steady in recent periods.
Deposit Growth4
In the past year, Generations Federal Credit Union has increased its total deposits by $6.66 million, resulting in 1.95% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Generations Federal Credit Union has shown is above average.
Capitalization4
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Generations Federal Credit Union has $394.41 million in assets with $46.08 million in equity, resulting in a capitalization level of 11.68%, which is above average.
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