PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Genesee Co-op

Rochester, NY · Charter 23848

NCUA · 1 branch

Q2 2026

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

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.

Return on Assets (quarter, annualized)

1.48%+120 bps YoY

Net Interest Margin (quarter, annualized)

4.32%+18 bps YoY

Efficiency Ratio (quarter, annualized)

70.20%-1,310 bps YoY

Net Worth / Assets

23.39%+28 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.39%0.84%0.28%0.91%1.03%2.13%1.48%+120 bps
Return on Equity2.36%1.61%3.62%1.21%3.88%4.53%9.27%6.33%+512 bps
Net Interest Margin4.10%4.06%4.13%4.15%4.18%4.07%4.21%4.32%+18 bps
Efficiency Ratio80.27%84.93%78.19%83.31%76.54%75.91%59.99%70.20%-1,310 bps
Growth
Asset Growth (YoY)3.93%7.78%12.06%6.06%7.68%10.46%6.76%5.40%-66 bps
Loan Growth (YoY)10.78%10.43%9.19%6.21%6.87%4.84%5.12%11.41%+520 bps
Share Growth (YoY)-2.40%1.85%4.61%0.09%2.87%8.20%7.77%5.41%+532 bps
Asset Quality
Delinquent Loans / Loans0.31%0.97%0.58%1.38%1.69%1.16%0.74%1.55%+17 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital24.77%24.26%23.32%23.10%23.47%22.82%23.03%23.39%+28 bps
Net Worth / Assets24.77%24.26%23.32%23.10%23.47%22.82%23.03%23.39%+28 bps
Liquidity & Funding
Loans / Shares84.30%85.87%83.92%83.15%87.58%83.20%81.86%87.89%+473 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps