Genesee Co-Op

ROCHESTER, NY · 1 · Charter #23848 · WWW.GENESEE.COOP
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$47.4M
98th percentile
Members
4,556
96th percentile
Total loans
$26.5M
96th percentile
Total shares
$29.7M
84th percentile

Profitability

Return on assets
1.25%
69th percentile
Net interest margin
4.07%
53th percentile
Efficiency ratio
71.42%
40th percentile
Non-interest income ratio
24.82%
90th percentile

Capital & Risk

Net worth ratio
22.82%
82th percentile
Delinquency rate
1.16%
37th percentile
Net charge-off rate
0.30%
44th percentile
Loan-to-share
89.07%
87th percentile

Growth

Member growth YoY
1.79%
82th percentile
Asset growth YoY
10.46%
92th percentile
Loan growth YoY
4.84%
79th percentile
Share growth YoY
7.85%
87th percentile

Operations

Members / branch
4,556
98th percentile
Assets / member
$10,407
59th percentile
Field of membership penetration
9.59%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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