Federal credit union · GENESEO, New York · NCUA charter #21658
Genesee Valley
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $169.9M
- Total assets
- 9,486
- Members
- 16.2%
- Net-worth ratio
Genesee Valley scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $169.9M; members 9,486; net-worth ratio 16.20%; health rank #1,408 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,408 of 4,374 health · 2025Q4Genesee Valley · health 88/100 · $169.9M · 2025Q4
- NCUSIF 88/100
- CAMELS 16.2%
- HEALTH 0.11%
- NW 2.25%
- DELQ $169.9M
- ROA 9,486
- ASSETS #1,408/4,374
- MEM Greenville Heritage
- RANK 21658
Call Report peers
Genesee Valley in the assets neighbourhood
Genesee Valley's $169.9M assets sit next to Greenville Heritage ($169.8M) 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 Valley 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 Valley - Share Insurance Coverage
Charter #21658's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Genesee Valley
- Largest favorable gap: Net Worth Ratio at 16.20% vs peer 12.11% (+4.09 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -17.05 pp (55.15% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Genesee Valley: in-state Call Report ranks
- In New York, health place is #79 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #64 of 272.
- Member book place in New York: #76 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.
Quarter path for Genesee Valley
Genesee Valley: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $169.9M (2025Q4) to $175.0M (2026Q1).
- Net-worth ratio shifted +0.03 pp (16.17% → 16.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
16.20% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action 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 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.6 pts
- Loan-to-Share Ratio 11.4 pts
Genesee Valley vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.20% | +4.09 pp |
| Delinquency Rate | 0.11% | -0.79 pp |
| Return on Assets | 2.25% | +1.63 pp |
| Member Growth | -1.34% | - |
| Loan-to-Share Ratio | 55.15% | -17.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Genesee Valley quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $175.0M | - |
| 2025Q4 | $169.9M | 9,486 |
| 2024Q4 | $155.2M | 9,615 |
| 2023Q4 | $142.2M | 9,676 |
Credit Union Details
- Charter Number
- 21658
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- GENESEO
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Genesee Valley, spread across 3 cities.
| Office | City |
|---|---|
| Geneseo Office (Main Office) | Geneseo, NY |
| Dansville Branch | Dansville, NY |
| SUNY Geneseo | Geneseo, NY |
| Warsaw Branch | Warsaw, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Genesee Valley - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($169.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Genesee Valley ranks #1,408 of 4,374 nationally on financial health and #79 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ULSTER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ULSTER
- 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 Valley financially healthy?
Genesee Valley has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,408 of 4,374; by total assets it ranks #1,403 of 4,374 nationally (same basis as /rankings/largest); and #64 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 16.20% and delinquency rate of 0.11%.
How does Genesee Valley compare to other credit unions?
Genesee Valley scores 88/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Valley?
Genesee Valley 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 Valley directly for the exact boundaries and application steps.
Is my money safe at Genesee Valley?
Federal credit unions like Genesee Valley 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 Valley's net worth ratio of 16.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Genesee Valley offer compared to banks?
Credit unions like Genesee Valley 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 Valley 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.