Credit Union Safety Analysis
Is Rochester & Monroe County Employees Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, Rochester & Monroe County Employees Federal Credit Union has a net worth ratio of 10.95%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.20%, 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, Rochester & Monroe County Employees Federal Credit Union's net worth ratio is 10.95%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.95%
- Delinquency ratio (60+ days) (Q2 2026): 1.20%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 64.27%
Rochester & Monroe County Employees Federal Credit Union (NCUA charter 817, established 1935) reported $46.4M in assets and 4,059 members for Q2 2026 from Rochester, New York. It ranks 135 of 267 credit unions in New York by total assets. Total assets grew 5.0% from $44.2M on June 30, 2025. It has 452 fewer members than on June 30, 2025 (-10.0%). Its net worth ratio was down 0.26 percentage points from 11.21% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $17.5M of $26.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.20% 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: 11.27% for Q1 2026; 11.21% 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: 0.60% for Q1 2026; 1.41% 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: 0.59% for Q1 2026; 0.33% 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: 67.90% for Q1 2026; 68.80% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $17.5M
- Used vehicle loans: $4.7M
- Other unsecured loans and lines of credit: $1.8M
- New vehicle loans: $1.5M
- Unsecured credit card loans: $710K
- Other secured non-real estate loans and lines of credit: $231K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $46.4M | 10.95% | 1.20% | 0.47% | 64.27% |
| March 31, 2026 | $44.6M | 11.27% | 0.60% | 0.59% | 67.90% |
| December 31, 2025 | $44.0M | 11.27% | 1.38% | 0.62% | 67.99% |
| September 30, 2025 | $44.0M | 11.22% | 1.21% | -0.09% | 69.56% |
| June 30, 2025 | $44.2M | 11.21% | 1.41% | 0.33% | 68.80% |
| March 31, 2025 | $43.9M | 11.33% | 1.40% | 0.31% | 69.41% |
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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.
Rochester & Monroe County Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 817) · FFIEC NIC profile (RSSD 138172)
Frequently asked questions
Is Rochester & Monroe County Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Rochester & Monroe County Employees Federal Credit Union's net worth ratio is 10.95%, above the 7% NCUA threshold for well capitalized.
Is Rochester & Monroe County Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Rochester & Monroe County Employees Federal Credit Union is a federally insured credit union (NCUA charter 817): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Rochester & Monroe County Employees Federal Credit Union's key safety ratios?
For Q2 2026, Rochester & Monroe County Employees Federal Credit Union reports net worth 10.95%, delinquency 1.20%, ROA 0.47%, loan-to-share 64.27%.
What happens to my money if Rochester & Monroe County Employees Federal Credit Union fails?
For Q2 2026, Rochester & Monroe County Employees Federal Credit Union held $41.3M in shares and deposits for 4,059 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.