Rochester, New York · Peer group 3
Rochester & Monroe Co Emp Credit Union
Rochester & Monroe Co Emp Credit Union holds $44.6M in assets across 4,100 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1935. Charter number 817, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $44.6M |
|---|---|
| Total loans | $26.9M |
| Total shares (deposits) | $39.6M |
| Net worth | $5.0M |
| Members | 4,100 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.6% | |
|---|---|---|
| Loans | -0.6% | around the 59th percentile of its peer group |
| Deposits | 1.6% | around the 52nd percentile of its peer group |
| Members | -9.4% | lower than 94% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 67.9% | around the 67th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.3% | around the 29th percentile of its peer group |
| Return on assets | 0.59% | around the 47th percentile of its peer group |
| Delinquency ratio | 0.60% | around the 50th percentile of its peer group |
| Cash / assets | 6.9% | around the 23rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Rochester & Monroe Co Emp Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Sweet Home Credit Union
AMHERST, NY
$44.7M · 2,859 members
- N Y Team Credit Union
Ronkonkoma, NY
$44.7M · 5,170 members
- Stewart's Credit Union
Saratoga Spring, NY
$44.7M · 4,408 members
- Boulevard Credit Union
Amherst, NY
$45.5M · 3,534 members
- Affinity One Credit Union
JAMESTOWN, NY
$45.6M · 3,258 members
- Solutions Credit Union
ELMIRA, NY
$43.0M · 3,386 members
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