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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.48% | 0.50% | 0.77% | 1.48% | Beats 75% | 4 / 16 | |
| Return on Equity | 6.34% | 4.22% | 6.62% | 10.72% | Beats 38% | 10 / 16 | |
| Net Interest Margin | 4.32% | 3.56% | 3.86% | 4.25% | Beats 88% | 2 / 16 | |
| Efficiency Ratio | 70.23% | 74.18% | 80.46% | 85.46% | Beats 81% | 4 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.36% | 0.55% | 2.51% | Beats 31% | 12 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 23.39% | 9.57% | 11.10% | 14.62% | Beats 94% | 1 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 23.39% | 9.57% | 11.10% | 14.62% | Beats 94% | 1 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 87.89% | 57.16% | 70.70% | 77.55% | 81st pctl | 3 / 16 | |
| Loans / Assets | 59.07% | 50.73% | 59.07% | 66.01% | 50th pctl | 8 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |