TellerScore

Genesee Valley Federal Credit Union (NCUA charter #21658) is based in Geneseo, New York. Its Q2 2026 call report shows $175.9M in total assets and $145.6M in member shares and deposits and 4 offices.

Based on its Q2 2026 filing, Genesee Valley Federal Credit Union scores 98/100, which we describe as very strong. That is higher than 100% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 4th. Its five components are fairly even, ranging from 94 to 100 out of 100.

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.60%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings98/100
Return on assets (annualized): 1.95%
Funding & liquidity100/100
Loans ÷ shares: 50.1% · 1.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.49%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (99 → 98).

TellerScore
9698100Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202496
Q3 202496
Q4 202498
Q1 202598
Q2 202599
Q3 2025100
Q4 202599
Q1 2026100
Q2 202698
Net worth ratio
7.00%11.80%16.60%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.21%
Q3 202414.88%
Q4 202415.00%
Q1 202514.95%
Q2 202515.33%
Q3 202515.89%
Q4 202516.17%
Q1 202616.20%
Q2 202616.60%
Delinquent loans (60+ days)
0.04%0.14%0.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.24%
Q4 20240.18%
Q1 20250.16%
Q2 20250.15%
Q3 20250.07%
Q4 20250.11%
Q1 20260.04%
Q2 20260.19%
Return on assets
1.95%2.30%2.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.50%
Q3 20242.55%
Q4 20242.46%
Q1 20252.23%
Q2 20252.64%
Q3 20252.64%
Q4 20252.52%
Q1 20262.01%
Q2 20261.95%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202698$175.9M16.60%0.19%1.95%50.1%
Q1 2026100$175.0M16.20%0.04%2.01%51.4%
Q4 202599$169.9M16.17%0.11%2.52%55.2%
Q3 2025100$167.3M15.89%0.07%2.64%57.3%
Q2 202599$166.2M15.33%0.15%2.64%58.9%
Q1 202598$161.7M14.95%0.16%2.23%60.6%
Q4 202498$155.2M15.00%0.18%2.46%65.0%
Q3 202496$150.9M14.88%0.24%2.55%68.1%
Q2 202496$151.0M14.21%0.10%2.50%68.1%

1,341 peers · $100 million – $1 billion

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 ratio16.60%
92nd
Problem loans0.19%
90th
Net charge-offs0.26%
62nd
Return on assets1.95%
97th
Loans to deposits50.1%
90th
Uninsured deposits1.6%
92nd
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Ulster Federal Credit UnionCredit union Kingston, NY67 out of 100, Moderate$179.0M10.3%0.81%vs
Trailnorth Federal Credit UnionCredit union Ticonderoga, NY66 out of 100, Moderate$179.6M9.8%0.84%vs
Tonawanda Valley Federal Credit UnionCredit union Batavia, NY82 out of 100, Strong$170.7M11.1%0.19%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
First Choice Financial Federal Credit UnionCredit union Gloversville, NY72 out of 100, Strong$183.7M13.1%1.70%vs
Inner Lakes Federal Credit UnionCredit union Westfield, NY70 out of 100, Strong$165.9M9.8%0.57%vs

Deposit insurance

Is my money safe at Genesee Valley Federal Credit Union?

Yes. Genesee Valley Federal Credit Union is a federally insured credit union (NCUA charter #21658). 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 1.6% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.60%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Genesee Valley Federal Credit Union lists 4 offices in 3 cities. Most locations:

  • Geneseo, NY (2)
  • Dansville, NY (1)
  • Warsaw, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Genesee Valley Federal Credit Union
Type
Federal credit union
NCUA charter #
21658
RSSD ID
198185
Primary regulator
NCUA
Established
1974
Headquarters
4621 Millennium Dr, Geneseo, NY 14454
Employees
31

Quick answers

Genesee Valley Federal Credit Union: common questions

Is Genesee Valley Federal Credit Union NCUA insured?

Yes. Genesee Valley Federal Credit Union is a federally insured credit union (NCUA charter #21658). 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 Valley Federal Credit Union's TellerScore?

98 out of 100 (Very 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 Valley Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Pittsford Federal Credit UnionCredit union Pittsford, NY74 out of 100, Strong$542.3M11.9%0.55%vs
Reliant Community Federal Credit UnionCredit union Sodus, NY69 out of 100, Moderate$788.4M9.6%0.36%vs
Five Star BankBank Rochester, NY66 out of 100, Moderate$6.3B10.9%0.82%vs