Credit Union Safety Analysis
Is Genesee Co-Op Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, Genesee Co-Op Federal Credit Union has a net worth ratio of 23.39%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.55%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Genesee Co-Op Federal Credit Union's net worth ratio is 23.39%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 23.39%
- Delinquency ratio (60+ days) (Q2 2026): 1.55%
- Return on assets (Q2 2026): 0.81%
- Loan-to-share ratio (Q2 2026): 87.89%
Genesee Co-Op Federal Credit Union (NCUA charter 23848, established 1981) reported $47.5M in assets and 4,554 members for Q2 2026 from Rochester, New York. It ranks 132 of 267 credit unions in New York by total assets. Total assets grew 5.4% from $45.1M on June 30, 2025. It has 25 fewer members than on June 30, 2025 (-0.5%). Its net worth ratio was up 0.30 percentage points from 23.09% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $21.5M of $28.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.55% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 23.03% for Q1 2026; 23.09% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.74% for Q1 2026; 1.38% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 2.13% for Q1 2026; -0.28% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 81.86% for Q1 2026; 83.15% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $21.5M
- Used vehicle loans: $3.1M
- Other secured non-real estate loans and lines of credit: $1.3M
- New vehicle loans: $1.2M
- Other unsecured loans and lines of credit: $803K
- Commercial loans: $126K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $47.5M | 23.39% | 1.55% | 0.81% | 87.89% |
| March 31, 2026 | $47.8M | 23.03% | 0.74% | 2.13% | 81.86% |
| December 31, 2025 | $47.4M | 22.82% | 1.16% | 1.51% | 83.20% |
| September 30, 2025 | $45.4M | 23.46% | 1.69% | 2.18% | 87.58% |
| June 30, 2025 | $45.1M | 23.09% | 1.38% | -0.28% | 83.15% |
| March 31, 2025 | $44.8M | 23.31% | 0.58% | 0.84% | 83.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Genesee Co-Op Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23848) · FFIEC NIC profile (RSSD 859299)
Frequently asked questions
Is Genesee Co-Op Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Genesee Co-Op Federal Credit Union's net worth ratio is 23.39%, above the 7% NCUA threshold for well capitalized.
Is Genesee Co-Op Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Genesee Co-Op Federal Credit Union is a federally insured credit union (NCUA charter 23848): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Genesee Co-Op Federal Credit Union's key safety ratios?
For Q2 2026, Genesee Co-Op Federal Credit Union reports net worth 23.39%, delinquency 1.55%, ROA 0.81%, loan-to-share 87.89%.
What happens to my money if Genesee Co-Op Federal Credit Union fails?
For Q2 2026, Genesee Co-Op Federal Credit Union held $31.9M in shares and deposits for 4,554 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.