Federal credit union · Rochester, New York · NCUA charter #817
Rochester & Monroe Co Emp
Health score 59/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $44.0M
- Total assets
- 4,209
- Members
- 5.4%
- Net-worth ratio
Rochester & Monroe Co Emp - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #817: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Rochester & Monroe Co Emp - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)45
- Asset quality (delinquency)69
- Earnings (ROA)90
- Member growth0
- Liquidity (loan-to-share)97
Weighted composite: 59/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
5.42% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 5.42% | 30% |
| Delinquency Rate | 1.38% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | -7.92% | 15% |
| Loan-to-Share Ratio | 67.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Rochester & Monroe Co Emp
The five-factor composite scores Rochester & Monroe Co Emp at 59/100 (Fair), reflecting a net worth ratio of 5.42% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in Rochester, New York, reports 4,209 members, $44.0M in total assets, and $26.5M in outstanding loans as of Q4 2025 under charter #817 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Deposits deployed into lending sit at a 67.99% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.38% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.40% on net income of $178K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -7.92%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Rochester & Monroe Co Emp financially healthy?
Yes/no aside, the number is 59/100 (Fair) - Rochester & Monroe Co Emp's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 5.42% net worth ratio and 1.38% delinquency rate are the key drivers.
How does Rochester & Monroe Co Emp compare to other credit unions?
On PlainCU's health composite, Rochester & Monroe Co Emp lands at 59/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Rochester & Monroe Co Emp 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. Rochester & Monroe Co Emp's net worth ratio of 5.42% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Rochester & Monroe Co Emp offer compared to banks?
Credit unions like Rochester & Monroe Co Emp 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 Rochester & Monroe Co Emp directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.