Rochester & Monroe Co Emp

Rochester, NY · 1 · Charter #817 · www.rocmon.org
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
$44.0M
94th percentile
Members
4,209
95th percentile
Total loans
$26.5M
96th percentile
Total shares
$39.0M
97th percentile

Profitability

Return on assets
0.36%
30th percentile
Net interest margin
3.87%
46th percentile
Efficiency ratio
76.84%
29th percentile
Non-interest income ratio
8.30%
46th percentile

Capital & Risk

Net worth ratio
11.27%
24th percentile
Delinquency rate
1.38%
33th percentile
Net charge-off rate
0.25%
47th percentile
Loan-to-share
67.99%
60th percentile

Growth

Member growth YoY
-7.92%
8th percentile
Asset growth YoY
2.49%
59th percentile
Loan growth YoY
-7.08%
33th percentile
Share growth YoY
2.81%
63th percentile

Operations

Members / branch
1,403
61th percentile
Assets / member
$10,453
60th percentile
Field of membership penetration
2.72%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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