Genesee Valley Federal Credit Union Geneseo, New York
Genesee Valley Federal Credit Union is a federal credit union headquartered in Geneseo, NY, established in 1974 (NCUA charter 21658), and it is regulated and insured by the NCUA. At Q2 2026 it reported 9,354 members and total assets of $175.9M (up 5.8% from Q2 2025), the 64th largest of 267 credit unions headquartered in New York. Its net worth ratio was 16.60% at Q2 2026, in the well capitalized band.
Also written as Genesee Valley FCU · Trade names filed with the NCUA: GVFCU and SUNY Geneseo FCU a division of GVFCU
BankRegReports is independent of Genesee Valley Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 21658
- Headquarters
- Geneseo, NY
- Established
- 1974
- Total assets, Q2 2026
- $175.9M
- Assets vs Q2 2025
- +5.8%
- Members, Q2 2026
- 9,354
- Net worth ratio, Q2 2026
- 16.60%
- Latest call report
- Q2 2026, NCUA 5300 · Genesee Valley Federal Credit Union call report
- Asset rank in state
- 64th of 267 in New York
- Routing number
- 222381934
- Branches
- 4
It has 295 fewer members than on June 30, 2025 (-3.1%). Its net worth ratio was up 1.27 percentage points from 15.33% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $46.8M of $73.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.19% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 16.60% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Genesee Valley Federal Credit Union
Frequently asked about Genesee Valley Federal Credit Union
How big is Genesee Valley Federal Credit Union?
At Q2 2026 it reported total assets of $175.9M and 9,354 members.
Where is Genesee Valley Federal Credit Union headquartered?
It is headquartered in Geneseo, NY, United States.
When was Genesee Valley Federal Credit Union founded?
It was established in 1974, per NCUA records.
Is Genesee Valley Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 21658): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Genesee Valley Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Genesee Valley Federal Credit Union well capitalized?
Its net worth ratio was 16.60% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Genesee Valley Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.19% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Genesee Valley Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.13% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Geneseo, NY 14454
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1974
- NCUA Charter #
- 21658
- RSSD ID
- 198185
- Members
- 9,354
- Potential members
- 100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 6 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 16.60% | 11.43% | over 90th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.90% | 0.81% | over 90th top |
| Return on equity Middle half of peers: 3.87% to 9.84% | 11.46% | 7.02% | 84th top |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.66% | 3.70% | 48th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 57.24% | 76.55% | over 90th top |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.71% | 1.24% | 86th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.19% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.37% | 4.92% | 18th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 50.13% | 75.66% | 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$175.9M total assets against $166.2M; $145.6M total shares and deposits against $139.9M; $73.0M total loans against $82.4M.
$29.2M net worth against $25.5M.
16.60% net worth ratio against 15.33%.
50.13% loan-to-share ratio against 58.92%.
0.19% delinquency ratio against 0.15%.
1.90% return on assets against 3.12%; 11.46% return on equity against 20.36%.
3.66% net interest margin against 5.10%.
9,354 members against 9,649.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.60% | 1.90% | 0.19% | 50.13% |
| March 31, 2026 | 16.20% | 2.01% | 0.04% | 51.42% |
| December 31, 2025 | 16.17% | 2.30% | 0.11% | 55.15% |
| September 30, 2025 | 15.89% | 2.65% | 0.07% | 57.31% |
| June 30, 2025 | 15.33% | 3.12% | 0.15% | 58.92% |
| March 31, 2025 | 14.95% | 2.23% | 0.16% | 60.65% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.