Side-by-side · Q2 2026 data
Finger Lakes Federal Credit Union vs Genesee Co-Op Federal Credit Union
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Credit union
Genesee Co-Op Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Finger Lakes Federal Credit Union | Genesee Co-Op Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 78 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 48 |
| Earnings | 91 (stronger) | 79 |
| Funding & liquidity | 88 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 99th | 59th |
| Total assets | $259.5M | $47.5M |
| Deposits / shares | $219.2M | $31.9M |
| Capital ratio | 15.05% | 23.39% (stronger) |
| Problem loans | 0.10% (stronger) | 1.55% |
| Net charge-offs | 0.12% (stronger) | 0.26% |
| Return on assets | 1.76% (stronger) | 1.48% |
| Loans ÷ deposits | 72.0% (stronger) | 87.9% |
| Uninsured deposits | 4.0% (stronger) | 10.7% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | — |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Finger Lakes Federal Credit Union leads on 6 and Genesee Co-Op Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.