Federal credit union · Rochester, New York · NCUA charter #817
Rochester & Monroe Co Emp
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $44.0M
- Total assets
- 4,209
- Members
- 11.3%
- Net-worth ratio
Rochester & Monroe Co Emp scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.0M; members 4,209; net-worth ratio 11.27%; health rank #3,279 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,279 of 4,374 health · 2025Q4Rochester & Monroe Co Emp · health 75/100 · $44.0M · 2025Q4
Call Report peers
Rochester & Monroe Co Emp in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Rochester & Monroe Co Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Rochester & Monroe Co Emp sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Rochester & Monroe Co Emp vs $10M–$50M peers
- Largest favorable gap: Loan-to-Share Ratio at 67.99% vs peer 59.80% (+8.19 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.59 pp (11.27% vs 14.86%).
Where Rochester & Monroe Co Emp sits in New York
- In New York, health place is #185 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #138 of 272.
- Membership ranks #117 of 272 among New York CUs with a reported count (4,209 members).
- One place up in New York, MONEY (#184) ties at 75/100; one place down, Coopers Cave (#186) ties at 75/100.
Rochester & Monroe Co Emp: 2025Q4 → 2026Q1
Rochester & Monroe Co Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $44.0M (2025Q4) to $44.6M (2026Q1).
- Net-worth ratio shifted +0.00 pp (11.27% → 11.27%).
11.27% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Rochester & Monroe Co Emp gives up 25 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 13.6 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.2 pts
Rochester & Monroe Co Emp health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.27% | -3.59 pp |
| Delinquency Rate | 1.38% | +0.23 pp |
| Return on Assets | 0.40% | -0.30 pp |
| Member Growth | -7.92% | - |
| Loan-to-Share Ratio | 67.99% | +8.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Rochester & Monroe Co Emp
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $44.6M | - |
| 2025Q4 | $44.0M | 4,209 |
| 2024Q4 | $42.9M | 4,571 |
| 2023Q4 | $26.0M | 3,157 |
Credit Union Details
- Charter Number
- 817
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Locations (3)
Rochester & Monroe Co Emp operates 3 offices in Rochester, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Rochester, NY |
| Sister Cities | Rochester, NY |
| Buffalo Rd | Rochester, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Rochester & Monroe Co Emp nationwide neighbourhoods
Using this data
- Rochester & Monroe Co Emp ranks #3,279 of 4,374 nationally on financial health and #185 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N Y Team is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N Y Team
Frequently Asked Questions
Is Rochester & Monroe Co Emp financially healthy?
On its 2025Q4 NCUA 5300 filing, Rochester & Monroe Co Emp scores 75/100 (Very Good), with a 11.27% net worth ratio and 1.38% of loans delinquent. It ranks #3,279 of 4,374 nationally on health and #185 of 272 in New York.
How does Rochester & Monroe Co Emp compare to other credit unions?
Rochester & Monroe Co Emp scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (67.99% vs 59.80%). Its widest shortfall is net worth ratio (11.27% vs 14.86%).
How can I join Rochester & Monroe Co Emp?
Rochester & Monroe Co Emp serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Rochester & Monroe Co Emp directly for the current list of qualifying groups.
Is my money safe at Rochester & Monroe Co Emp?
Rochester & Monroe Co Emp 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. Rochester & Monroe Co Emp's net worth ratio of 11.27% 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.