Federal credit union · ROCHESTER, New York · NCUA charter #23848
Genesee Co-Op
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $47.4M
- Total assets
- 4,556
- Members
- 23.0%
- Net-worth ratio
Genesee Co-Op scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.4M; members 4,556; net-worth ratio 23.03%; health rank #1,375 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,375 of 4,374 health · 2025Q4Genesee Co-Op · health 88/100 · $47.4M · 2025Q4
Call Report peers
Genesee Co-Op in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Genesee Co-Op vs every NCUA-scored credit union
Genesee Co-Op sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Genesee Co-Op
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.40 pp (83.20% vs 59.80%).
- Widest shortfall vs peers is Return on Assets: -0.35 pp (0.35% vs 0.70%).
New York standing for Genesee Co-Op
- New York health ordinal: #76 of 272.
- New York assets place: #130 of 272.
- New York membership ordinal: #114 of 272.
- One place up in New York, ACCESS (#75) scores 89/100, 1 point higher; one place down, Self Reliance Financial (#77) ties at 88/100.
Genesee Co-Op: 2025Q4 → 2026Q1
Genesee Co-Op: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $47.4M (2025Q4) to $47.8M (2026Q1).
- Net-worth ratio shifted +0.21 pp (22.82% → 23.03%).
At 23.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
Genesee Co-Op gives up 12 points in total. Delinquency Rate costs the most, 6.2 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.8 pts
- Return on Assets 12.8 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.03% | +8.17 pp |
| Delinquency Rate | 1.16% | +0.02 pp |
| Return on Assets | 0.35% | -0.35 pp |
| Member Growth | 1.79% | - |
| Loan-to-Share Ratio | 83.20% | +23.40 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Genesee Co-Op quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.8M | - |
| 2025Q4 | $47.4M | 4,556 |
| 2024Q4 | $42.9M | 4,476 |
| 2023Q4 | $39.8M | 4,079 |
Credit Union Details
- Charter Number
- 23848
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- ROCHESTER
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Genesee Co-Op.
| Office | City |
|---|---|
| Corporate Office (Main Office) | ROCHESTER, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Genesee Co-Op nationwide neighbourhoods
Similar total assets
Using this data
- Genesee Co-Op ranks #1,375 of 4,374 nationally on financial health and #76 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- STEWART'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with STEWART'S
Frequently Asked Questions
Is Genesee Co-Op financially healthy?
On its 2025Q4 NCUA 5300 filing, Genesee Co-Op scores 88/100 (Excellent), with a 23.03% net worth ratio and 1.16% of loans delinquent. It ranks #1,375 of 4,374 nationally on health and #76 of 272 in New York.
How does Genesee Co-Op compare to other credit unions?
Genesee Co-Op scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.20% vs 59.80%). Its widest shortfall is return on assets (0.35% vs 0.70%).
How can I join Genesee Co-Op?
Genesee Co-Op operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Genesee Co-Op directly for the exact boundaries and application steps.
Is my money safe at Genesee Co-Op?
Genesee Co-Op is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Genesee Co-Op's net worth ratio of 23.03% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.