GENCO
Federal • Waco, Texas • Est. 1953
Quick Facts
- Charter Number
- #8585
- Type
- Federal
- Established
- 1953
- Headquarters
- Waco, Texas 76710-4848
- Address
- 731 N Valley Mills Dr
- Branches
- 5
- ATMs
- 5
- Members
- 38,363
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
38,363 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GENCO |
|---|---|
| Total Assets | $490.9M |
| Members | 38,363 |
| Loans Outstanding | $228.9M |
| Shares & Deposits | $420.3M |
| Net Worth | $67.9M |
| Net Worth Ratio | 13.84% |
| Loan-to-Share Ratio | 54.5% |
| Delinquency Rate | 0.28% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Texas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Texas RankingsFrequently Asked Questions
GENCO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, GENCO has 38,363 members and a potential membership field of 270,000 people.
GENCO's reported net worth ratio is 13.84% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or GENCO. All financial data is for informational purposes only.