GENESEE VALLEY
Charter #21658 · GENESEO, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.20% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.04% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.97% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.04% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 56.44% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GENESEE VALLEY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $174.98M | 41th pct | 46th pct |
| Members | 9,408 | 28th pct | 39th pct |
| Net worth ratio | 16.20% | 90th pct | 82th pct |
| Return on average assets | 2.04% | 96th pct | 90th pct |
| Net interest margin | 3.97% | 70th pct | 85th pct |
| Cost of funds | 0.87% | 32th pct | 30th pct |
| Loan-to-share | 51.42% | 14th pct | 25th pct |
| Delinquency 60+ days | 0.04% | 2th pct | 2th pct |
| Net charge-off ratio | 0.34% | 48th pct | 74th pct |
| Loan growth YoY | -6.49% | 3th pct | 3th pct |
| Share growth YoY | 4.23% | 61th pct | 54th pct |
| Efficiency ratio | 56.44% | 5th pct | 8th pct |
structural peer set hash: 40ba76be5b7d6756034488f4f24accc7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.