GENESEE CO-OP
Charter #23848 · ROCHESTER, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 23.03% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.14% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.47% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.30% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 59.99% ranks in the 25th 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 CO-OP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $47.82M | 97th pct | 54th pct |
| Members | 4,528 | 94th pct | 72th pct |
| Net worth ratio | 23.03% | 92th pct | 85th pct |
| Return on average assets | 2.14% | 96th pct | 93th pct |
| Net interest margin | 4.23% | 69th pct | 70th pct |
| Cost of funds | 0.47% | 31th pct | 15th pct |
| Loan-to-share | 81.86% | 86th pct | 43th pct |
| Delinquency 60+ days | 0.74% | 57th pct | 59th pct |
| Net charge-off ratio | 0.30% | 62th pct | 79th pct |
| Loan growth YoY | 1.53% | 80th pct | 59th pct |
| Share growth YoY | 8.62% | 93th pct | 93th pct |
| Efficiency ratio | 59.99% | 11th pct | 25th pct |
structural peer set hash: 233218a4c6d3a25e63a9d2a90d4bac1e… (reproducible)
Closest structural peers
This is the free public view
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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.