Side-by-side · Q2 2026 data
Genesee Regional Bank vs Genesee Co-Op Federal Credit Union
Credit union
Genesee Co-Op Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Genesee Regional Bank | Genesee Co-Op Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 80 (stronger) | 48 |
| Earnings | 81 (stronger) | 79 |
| Funding & liquidity | 54 | 72 (stronger) |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 66th | 59th |
| Total assets | $1.3B | $47.5M |
| Deposits / shares | $1.1B | $31.9M |
| Capital ratio | 10.97% | 23.39% (stronger) |
| Problem loans | 0.59% (stronger) | 1.55% |
| Net charge-offs | 0.05% (stronger) | 0.26% |
| Return on assets | 1.54% (stronger) | 1.48% |
| Loans ÷ deposits | 83.4% (stronger) | 87.9% |
| Uninsured deposits | 35.7% | 10.7% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | — |
Genesee Co-Op Federal Credit Union has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Genesee Regional Bank leads on 4 and Genesee Co-Op Federal Credit Union on 3. 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.