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Genesee Co-op

Rochester, NY · Charter 23848

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Rochester, NY area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in the Rochester, NY area (n=16). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

94

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

81

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Genesee Co-op

Rochester, NY · Charter 23848

NCUA · 1 branch

Q2 2026

$47.5MAssets
$28.1MLoans
$31.9MShares
$11.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.48%, up 120 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 1.55% of loans (+17 bps YoY).
  • Capital: net worth / assets of 23.39%, up 28 bps from a year ago.
  • Funding: loans stand at 87.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.48%+120 bps YoY

Net Interest Margin (YTD, annualized)

4.32%+18 bps YoY

Efficiency Ratio (YTD, annualized)

70.20%-1,310 bps YoY

Net Worth / Assets

23.39%+28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.28%0.91%1.03%2.13%1.48%+120 bps
Return on Equity1.21%3.88%4.53%9.27%6.33%+512 bps
Net Interest Margin4.15%4.18%4.07%4.21%4.32%+18 bps
Efficiency Ratio83.31%76.54%75.91%59.99%70.20%-1,310 bps
Growth
Asset Growth (YoY)6.06%7.68%10.46%6.76%5.40%-66 bps
Loan Growth (YoY)6.21%6.87%4.84%5.12%11.41%+520 bps
Share Growth (YoY)0.09%2.87%8.20%7.77%5.41%+532 bps
Asset Quality
Delinquent Loans / Loans1.38%1.69%1.16%0.74%1.55%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital23.10%23.47%22.82%23.03%23.39%+28 bps
Net Worth / Assets23.10%23.47%22.82%23.03%23.39%+28 bps
Liquidity & Funding
Loans / Shares83.15%87.58%83.20%81.86%87.89%+473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Genesee Co-op

Rochester, NY · Charter 23848 · Peer group: credit unions under $1B in assets in the Rochester, NY area (n=16)

NCUA · 1 branch

Q2 2026

$47.5MAssets
$28.1MLoans
$31.9MShares
$11.1MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in the Rochester, NY area (rank 1 of 16).
  • Widest gap: nonperforming loans / loans trails 69% of credit unions under $1B in assets in the Rochester, NY area (rank 12 of 16).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

1.48%

Rank 4 of 16

Net Interest Margin

4.32%

Rank 2 of 16

Efficiency Ratio

70.23%

Rank 4 of 16

Equity / Assets

23.39%

Rank 1 of 16

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.48%0.50%0.77%1.48%Beats 75%4 / 16
Return on Equity6.34%4.22%6.62%10.72%Beats 38%10 / 16
Net Interest Margin4.32%3.56%3.86%4.25%Beats 88%2 / 16
Efficiency Ratio70.23%74.18%80.46%85.46%Beats 81%4 / 16
Asset Quality
Nonperforming Loans / Loans1.55%0.36%0.55%2.51%Beats 31%12 / 16
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio23.39%9.57%11.10%14.62%Beats 94%1 / 16
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets23.39%9.57%11.10%14.62%Beats 94%1 / 16
Liquidity & Funding
Loans / Deposits87.89%57.16%70.70%77.55%81st pctl3 / 16
Loans / Assets59.07%50.73%59.07%66.01%50th pctl8 / 16
Brokered Deposits / Depositsn/aNot reported for this institution