Genesee Valley
Geneseo, NY · Charter 21658 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)
NCUA · 4 branches
Q2 2026
$175.9MAssets
$73.0MLoans
$145.6MShares
$29.2MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 94% of credit unions under $1B in assets in the Rochester, NY area (rank 2 of 16).
- Widest gap: net interest margin trails 56% of credit unions under $1B in assets in the Rochester, NY area (rank 9 of 16).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.95%
Rank 2 of 16
Net Interest Margin
3.78%
Rank 9 of 16
Efficiency Ratio
56.83%
Rank 2 of 16
Equity / Assets
16.60%
Rank 2 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.95% | 0.50% | 0.77% | 1.48% | Beats 88% | 2 / 16 | |
| Return on Equity | 11.76% | 4.22% | 6.62% | 10.72% | Beats 81% | 3 / 16 | |
| Net Interest Margin | 3.78% | 3.56% | 3.86% | 4.25% | Beats 44% | 9 / 16 | |
| Efficiency Ratio | 56.83% | 74.18% | 80.46% | 85.46% | Beats 94% | 2 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.36% | 0.55% | 2.51% | Beats 87% | 3 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.60% | 9.57% | 11.10% | 14.62% | Beats 88% | 2 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.60% | 9.57% | 11.10% | 14.62% | Beats 88% | 2 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 50.13% | 57.16% | 70.70% | 77.55% | 19th pctl | 13 / 16 | |
| Loans / Assets | 41.51% | 50.73% | 59.07% | 66.01% | 6th pctl | 15 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |