ROCHESTER & MONROE CO EMP
Charter #817 · Rochester, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- On Total assets, the asset-size band puts this credit union at the 91st percentile but its structural peers at the 49th — a 42-point gap showing why the peer definition matters.
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 | ROCHESTER & MONROE CO EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $44.58M | 91th pct | 49th pct |
| Members | 4,100 | 92th pct | 67th pct |
| Net worth ratio | 11.27% | 29th pct | 46th pct |
| Return on average assets | 0.60% | 47th pct | 43th pct |
| Net interest margin | 3.79% | 47th pct | 62th pct |
| Cost of funds | 0.91% | 53th pct | 41th pct |
| Loan-to-share | 67.90% | 67th pct | 70th pct |
| Delinquency 60+ days | 0.60% | 50th pct | 54th pct |
| Net charge-off ratio | 0.20% | 56th pct | 61th pct |
| Loan growth YoY | -1.20% | 60th pct | 49th pct |
| Share growth YoY | 1.21% | 37th pct | 36th pct |
| Efficiency ratio | 85.71% | 64th pct | 62th pct |
structural peer set hash: eae2e4a4da969a8445b46b4f21340e0f… (reproducible)
Closest structural peers
This is the free public view
Claim ROCHESTER & MONROE CO EMP
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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.