GENCO Credit Union Profile

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GENCO

Charter #8585 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (254) 776-9550

Fax: (254) 776-4633

Founding Date: N/A

Website: http://www.gencofcu.org

Personnel & Operations

President: Black, Robert

Manager: Ling, Neil

FT Employees: 90

PT Employees: 8

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: 9-5 Monday-Thursday 9-6 Friday 9-1 Saturd

Credit Union Profile Summary

GENCO is a FCU Credit Union. With a total of 38,816 members [1], this institution manages approximately $469,062,386 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.25% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.51% [1].

Financial Snapshot

Total Assets [1]
$469,062,386

Total economic resources.

Total Loans [1]
$225,046,149

Total value of outstanding loans.

Total Deposits [1]
$404,212,999

Total funds deposited by members.

Members [1]
38,816

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.25%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.66%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
55.68%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.86%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -0.51%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.64%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

731 N Valley Mills Dr

Waco, TX, 76710-4848
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 5 branches reported by GENCO (Charter #8585).

Main Office

Valley Mills Main Office

Type: Corporate Office

731 N Valley Mills Dr

Waco, TX 76710-4848

Phone: (254) 776-9550

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Lorena

Lorena

Type: Branch Office

230 N Frontage Rd

Lorena, TX 76655

Phone: (254) 776-9550

Services: Member Services, ATM, Drive-Thru

Open in Directions

Lufkin

Lufkin

Type: Branch Office

1402 S John Redditt Dr

Lufkin, TX 75904-4826

Phone: (254) 937-7710

Services: Member Services, ATM, Drive-Thru

Open in Directions

Waco

Northeast

Type: Branch Office

1500 N Loop 340

Waco, TX 76705-2494

Phone: (254) 776-9550

Services: Member Services, ATM, Drive-Thru

Open in Directions

Woodway

Woodway

Type: Branch Office

105 Archway Dr

Woodway, TX 76712-6104

Phone: (254) 776-9550

Services: Member Services, ATM

Open in Directions