Side-by-side · Q2 2026 data
State Cs Employees Federal Credit Union vs Genesee Co-Op Federal Credit Union
Credit union
State Cs Employees Federal Credit Union
Watertown, New York · Under $100 million in assets
Credit union
Genesee Co-Op Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | State Cs Employees Federal Credit Union | Genesee Co-Op Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 78 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 74 (stronger) | 48 |
| Earnings | 74 | 79 (stronger) |
| Funding & liquidity | 73 (stronger) | 72 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 32nd | 59th |
| Total assets | $49.4M | $47.5M |
| Deposits / shares | $44.7M | $31.9M |
| Capital ratio | 9.30% | 23.39% (stronger) |
| Problem loans | 0.77% (stronger) | 1.55% |
| Net charge-offs | 0.20% (stronger) | 0.26% |
| Return on assets | 1.34% | 1.48% (stronger) |
| Loans ÷ deposits | 87.0% (stronger) | 87.9% |
| Uninsured deposits | 5.3% (stronger) | 10.7% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Genesee Co-Op Federal Credit Union has the higher TellerScore (78 vs 66). On the 7 directional measures above (where higher or lower is clearly better), State Cs Employees Federal Credit Union leads on 4 and Genesee Co-Op Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.