TellerScore

Genesee Co-Op Federal Credit Union (NCUA charter #23848) is based in Rochester, New York. Its Q2 2026 call report shows $47.5M in total assets and $31.9M in member shares and deposits and 1 office.

Genesee Co-Op Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 59% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 85th. Capital cushion contributes the most (100/100, 23.39%); loan quality contributes the least (48/100, 1.55%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.39%
Loan quality48/100
Loans 60+ days delinquent ÷ total loans: 1.55%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity72/100
Loans ÷ shares: 87.9% · 10.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (71 → 78), mostly because the earnings component improved by 48 points.

TellerScore
718190Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202482
Q4 202475
Q1 202582
Q2 202571
Q3 202572
Q4 202578
Q1 202690
Q2 202678
Net worth ratio
7.00%15.88%24.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202424.29%
Q3 202424.75%
Q4 202424.24%
Q1 202523.31%
Q2 202523.09%
Q3 202523.46%
Q4 202522.82%
Q1 202623.03%
Q2 202623.39%
Delinquent loans (60+ days)
0.31%1.00%1.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.31%
Q4 20240.97%
Q1 20250.58%
Q2 20251.38%
Q3 20251.69%
Q4 20251.16%
Q1 20260.74%
Q2 20261.55%
Return on assets
0.28%1.21%2.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.33%
Q3 20240.58%
Q4 20240.39%
Q1 20250.84%
Q2 20250.28%
Q3 20250.91%
Q4 20251.03%
Q1 20262.13%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$47.5M23.39%1.55%1.48%87.9%
Q1 202690$47.8M23.03%0.74%2.13%81.9%
Q4 202578$47.4M22.82%1.16%1.03%83.2%
Q3 202572$45.4M23.46%1.69%0.91%87.6%
Q2 202571$45.1M23.09%1.38%0.28%83.2%
Q1 202582$44.8M23.31%0.58%0.84%83.9%
Q4 202475$42.9M24.24%0.97%0.39%85.9%
Q3 202482$42.2M24.75%0.31%0.58%84.3%
Q2 202476$42.5M24.29%0.92%0.33%78.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio23.39%
86th
Problem loans1.55%
28th
Net charge-offs0.26%
42nd
Return on assets1.48%
84th
Loans to deposits87.9%
11th
Uninsured deposits10.7%
6th
Loan-loss reserves0.00%
37th
Texas ratio3.9%
36th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs
Suny Fredonia Federal Credit UnionCredit union Fredonia, NY95 out of 100, Very strong$48.3M18.7%0.63%vs
Rochester & Monroe Co Emp Federal Credit UnionCredit union Rochester, NY64 out of 100, Moderate$46.4M10.9%1.20%vs
Tonawanda Community Federal Credit UnionCredit union Buffalo, NY77 out of 100, Strong$49.3M11.1%0.73%vs
Affinity One Federal Credit UnionCredit union Jamestown, NY72 out of 100, Strong$45.7M10.8%0.12%vs

Deposit insurance

Is my money safe at Genesee Co-Op Federal Credit Union?

Yes. Genesee Co-Op Federal Credit Union is a federally insured credit union (NCUA charter #23848). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.7% of shares and deposits ($3.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 23.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Genesee Co-Op Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Genesee Co-Op Federal Credit Union
Type
Federal credit union
NCUA charter #
23848
RSSD ID
859299
Primary regulator
NCUA
Established
1981
Headquarters
395 Gregory St, Rochester, NY 14620
Employees
12

Quick answers

Genesee Co-Op Federal Credit Union: common questions

Is Genesee Co-Op Federal Credit Union NCUA insured?

Yes. Genesee Co-Op Federal Credit Union is a federally insured credit union (NCUA charter #23848). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Genesee Co-Op Federal Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Genesee Co-Op Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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