Side-by-side · Q2 2026 data
The Canandaigua National Bank and Trust Company vs Genesee Co-Op Federal Credit Union
Bank
The Canandaigua National Bank and Trust Company
Canandaigua, New York · $1 billion – $10 billion
Credit union
Genesee Co-Op Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | The Canandaigua National Bank and Trust Company | Genesee Co-Op Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 78 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 72 (stronger) | 48 |
| Earnings | 71 | 79 (stronger) |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 21st | 59th |
| Total assets | $5.4B | $47.5M |
| Deposits / shares | $4.6B | $31.9M |
| Capital ratio | 9.01% | 23.39% (stronger) |
| Problem loans | 0.83% (stronger) | 1.55% |
| Net charge-offs | 0.10% (stronger) | 0.26% |
| Return on assets | 1.27% | 1.48% (stronger) |
| Loans ÷ deposits | 88.9% | 87.9% (stronger) |
| Uninsured deposits | 33.8% | 10.7% (stronger) |
| Offices | 28 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.4% | — |
Genesee Co-Op Federal Credit Union has the higher TellerScore (78 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Canandaigua National Bank and Trust Company leads on 2 and Genesee Co-Op Federal Credit Union on 5. 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.