TellerScore

Headquartered in Rochester, New York, Rochester & Monroe Co Emp Federal Credit Union is a federal credit union with $46.4M in total assets and $41.3M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Rochester & Monroe Co Emp Federal Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 181st. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 6% uninsured), and its lowest is earnings (41/100; 0.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion60/100
Net worth ratio: 10.95%
Loan quality60/100
Loans 60+ days delinquent ÷ total loans: 1.20%
Earnings41/100
Return on assets (annualized): 0.52%
Funding & liquidity96/100
Loans ÷ shares: 64.3% · 6.0% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.28%

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 3 points (61 → 64), mostly because the earnings component improved by 8 points.

TellerScore
345371Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202463
Q4 202434
Q1 202561
Q2 202561
Q3 202561
Q4 202561
Q1 202671
Q2 202664
Net worth ratio
7.00%9.52%12.04%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.04%
Q3 202411.83%
Q4 20247.38%
Q1 202511.33%
Q2 202511.21%
Q3 202511.22%
Q4 202511.27%
Q1 202611.27%
Q2 202610.95%
Delinquent loans (60+ days)
0.60%1.69%2.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.70%
Q3 20240.92%
Q4 20242.77%
Q1 20251.40%
Q2 20251.41%
Q3 20251.21%
Q4 20251.38%
Q1 20260.60%
Q2 20261.20%
Return on assets
0.06%0.33%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.06%
Q4 20240.41%
Q1 20250.31%
Q2 20250.32%
Q3 20250.19%
Q4 20250.29%
Q1 20260.59%
Q2 20260.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$46.4M10.95%1.20%0.52%64.3%
Q1 202671$44.6M11.27%0.60%0.59%67.9%
Q4 202561$44.0M11.27%1.38%0.29%68.0%
Q3 202561$44.0M11.22%1.21%0.19%69.6%
Q2 202561$44.2M11.21%1.41%0.32%68.8%
Q1 202561$43.9M11.33%1.40%0.31%69.4%
Q4 202434$42.9M7.38%2.77%0.41%75.2%
Q3 202463$41.7M11.83%0.92%0.06%79.8%
Q2 202458$25.8M12.04%1.70%0.50%93.2%

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 ratio10.95%
23rd
Problem loans1.20%
34th
Net charge-offs0.25%
43rd
Return on assets0.52%
43rd
Loans to deposits64.3%
42nd
Uninsured deposits6.0%
17th
Loan-loss reserves0.00%
37th
Texas ratio6.3%
23rd

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Affinity One Federal Credit UnionCredit union Jamestown, NY72 out of 100, Strong$45.7M10.8%0.12%vs
Syracuse CooperativeCredit union Syracuse, NY61 out of 100, Moderate$47.2M14.4%5.24%vs
Stewart'S Federal Credit UnionCredit union Saratoga Spring, NY61 out of 100, Moderate$47.3M8.9%0.81%vs
Sweet Home Federal Credit UnionCredit union Amherst, NY79 out of 100, Strong$45.4M13.3%1.44%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Boulevard Federal Credit UnionCredit union Amherst, NY82 out of 100, Strong$45.2M14.1%0.74%vs

Deposit insurance

Is my money safe at Rochester & Monroe Co Emp Federal Credit Union?

Yes. Rochester & Monroe Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #817). 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 6.0% of shares and deposits ($2.5M) 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 10.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Rochester & Monroe Co Emp Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Rochester & Monroe Co Emp Federal Credit Union
Type
Federal credit union
NCUA charter #
817
RSSD ID
138172
Primary regulator
NCUA
Established
1935
Headquarters
460 N Goodman St, Rochester, NY 14609
Employees
9

Quick answers

Rochester & Monroe Co Emp Federal Credit Union: common questions

Is Rochester & Monroe Co Emp Federal Credit Union NCUA insured?

Yes. Rochester & Monroe Co Emp Federal Credit Union is a federally insured credit union (NCUA charter #817). 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 Rochester & Monroe Co Emp Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Rochester & Monroe Co Emp Federal Credit Union have?

2 offices as of the latest NCUA data.