GENCO
Federal • Waco, Texas • Est. 1953
Quick Facts
- Charter Number
- #8585
- Type
- Federal
- Established
- 1953
- Headquarters
- Waco, Texas 76714
- Address
- P. O. Box 7246
- Branches
- 5
- ATMs
- 5
- Members
- 38,527
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
38,527 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GENCO |
|---|---|
| Total Assets | $480.5M |
| Members | 38,527 |
| Loans Outstanding | $233.1M |
| Shares & Deposits | $412.0M |
| Net Worth | $65.7M |
| Net Worth Ratio | 13.68% |
| Loan-to-Share Ratio | 56.6% |
| Delinquency Rate | 0.37% |
| Net Income | +$9,215,606 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Valley Mills
Main Office731 N Valley Mills Dr
Waco, TX 76710-4848
Lufkin
1402 S John Redditt Dr
Lufkin, TX 75904-4826
Woodway
105 Archway Dr
Woodway, TX 76712-6104
Northeast
1500 N Loop 340
Waco, TX 76705-2494
Lorena
230 N Frontage Rd
Lorena, TX 76655
Who Can Join GENCO?
Membership Type: Other/Unknown
Membership eligibility for GENCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact GENCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. GENCO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GENCO has 38,527 members and a potential membership field of 270,000 people.
GENCO's net worth ratio is 13.68% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.7%, GENCO meets this threshold.
GENCO operates 5 branch locations and has access to 5 ATMs. The main office is located at 731 N Valley Mills Dr, Waco, TX 76710-4848.
GENCO was established in 1953. It is a federal credit union chartered under charter number 8585. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GENCO. All financial data is for informational purposes only.