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
- CHARTER 88/100
- NCUSIF 23.0%
- CAMELS 1.16%
- HEALTH 0.35%
- NW $47.4M
- DELQ 4,556
- ROA #1,375/4,374
- ASSETS EMPLOYEES
- MEM 23848
Call Report peers
Genesee Co-Op in the assets neighbourhood
Genesee Co-Op's $47.4M assets sit next to EMPLOYEES ($47.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Genesee Co-Op - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #23848: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Genesee Co-Op: 2025Q4 → 2026Q1
Genesee Co-Op: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.9% from $47.4M (2025Q4) to $47.8M (2026Q1).
- Net-worth ratio shifted +0.21 pp (22.82% → 23.03%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Genesee Co-Op - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Genesee Co-Op financially healthy?
A 23.03% net worth ratio and a 1.16% delinquency rate feed into Genesee Co-Op's financial health score of 88/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,375 of 4,374; by total assets it ranks #2,442 of 4,374 nationally (same basis as /rankings/largest); and #130 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Genesee Co-Op compare to other credit unions?
88/100 is Genesee Co-Op's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Genesee Co-Op are 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."
What rates does Genesee Co-Op offer compared to banks?
Credit unions like Genesee Co-Op are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Genesee Co-Op directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.