GLNY_VA

Report of Independent Registered Public Accounting Firm

To the Board of Directors of

Genworth Life Insurance Company of New York

and

Contract Owners of

Genworth Life of New York VA Separate Account 3:

Opinion on the Financial Statements

We have audited the accompanying statements of assets and liabilities of the subaccounts listed in the Appendix that comprise Genworth Life of New York VA Separate Account 3 (the Subaccounts), as of December 31, 2025, the related statements of operations for the year or period listed in the Appendix, the statements of changes in net assets for each of the years or periods listed in the Appendix, and the related notes (collectively, the financial statements). In our opinion, the financial statements present fairly, in all material respects, the financial position of the Subaccounts as of December 31, 2025, the results of their operations for the year or period listed in the Appendix, and the changes in their net assets for each of the years or periods listed in the Appendix, in conformity with U.S. generally accepted accounting principles.

Basis for Opinion

These financial statements are the responsibility of the Subaccounts’ management. Our responsibility is to express an opinion on these financial statements based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Subaccounts in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Such procedures also included confirmation of securities owned as of December 31, 2025, by correspondence with the transfer agent of the underlying investments. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.

/s/ KPMG LLP

We have served as the auditor of one or more Genworth Life Insurance Company of New York separate account investment companies since 2000.

Richmond, Virginia

April 23, 2026

F-1

Appendix

Statements of assets and liabilities as of December 31, 2025, the related statements of operations for the year then ended, and the statements of changes in net assets for each of the years in the two-year period then ended.

AB Variable Products Series Fund, Inc.

AB VPS International Value Portfolio — Class B

AB VPS Small Cap Growth Portfolio — Class B

AIM Variable Insurance Funds (Invesco Variable Insurance Funds)

Invesco V.I. Comstock Fund — Series II shares

Invesco V.I. Core Equity Fund — Series I shares

Invesco V.I. EQV International Equity Fund — Series II shares

Invesco V.I. Global Fund — Series II shares

Invesco V.I. Main Street Fund^® — Series II shares

Invesco V.I. Main Street Small Cap Fund^® — Series II shares

BlackRock Variable Series Funds, Inc.

BlackRock Basic Value V.I. Fund — Class III Shares

BlackRock Global Allocation V.I. Fund — Class III Shares

Columbia Funds Variable Series Trust II

CTIVP^® — Principal Large Cap Growth Fund — Class 1 (1)

Columbia Variable Portfolio — Overseas Core Fund — Class 2

Eaton Vance Variable Trust

VT Floating-Rate Income Fund

Federated Hermes Insurance Series

Federated Hermes Kaufmann Fund II — Service Shares

Fidelity^® Variable Insurance Products Fund

VIP Contrafund^® Portfolio — Service Class 2

VIP Equity-Income Portfolio^SM — Service Class 2

VIP FundsManager^® 50% Portfolio — Service Class 2

VIP FundsManager^® 60% Portfolio — Service Class 2

VIP Growth Opportunities Portfolio — Service Class 2

VIP Investment Grade Bond Portfolio — Service Class 2

VIP Mid Cap Portfolio — Service Class 2

Franklin Templeton Variable Insurance Products Trust

Franklin Mutual Shares VIP Fund — Class 2 Shares

Goldman Sachs Variable Insurance Trust

Goldman Sachs Government Money Market Fund — Service Shares

Janus Aspen Series

Janus Henderson Forty Portfolio — Service Shares

Lincoln Variable Insurance Products Trust

LVIP American Century Inflation Protection Fund — Service Class (1)

PIMCO Variable Insurance Trust

High Yield Portfolio — Administrative Class Shares

Long-Term U.S. Government Portfolio — Administrative Class Shares

Low Duration Portfolio — Administrative Class Shares

Total Return Portfolio — Administrative Class Shares

State Street Variable Insurance Series Funds, Inc.

Real Estate Securities V.I.S. Fund — Class 1 Shares

Total Return V.I.S. Fund — Class 3 Shares

Statement of assets and liabilities as of December 31, 2025, the related statement of operations for the period from January 1, 2025 to April 11, 2025 (liquidation date) and the statements of changes in net assets for the period from January 1, 2025 to April 11, 2025 (liquidation date) and for the year ended December 31, 2024.

The Prudential Series Fund

PSF Natural Resources Portfolio — Class II Shares

F-2

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Assets and Liabilities

December 31, 2025



	AB Variable Products Series Fund, Inc.				AIM Variable Insurance Funds (Invesco Variable Insurance Funds)

	AB VPS International Value Portfolio — Class B		AB VPS Small Cap Growth Portfolio — Class B		Invesco V.I. Comstock Fund — Series II shares		Invesco V.I. Core Equity Fund — Series I shares		Invesco V.I. EQV International Equity Fund — Series II shares

Assets:
Investments at fair value (note 2b)		$—		$5,376		$—		$19,020		$—
Dividend receivable		—		—		—		—		—
Total assets		—		5,376		—		19,020		—

Liabilities:
Accrued expenses payable to affiliate (note 4b)		—		—		—		1		—
Payable for units withdrawn		—		—		—		1		—
Total liabilities		—		—		—		2		—
Net assets		$—		$5,376		$—		$19,018		$—

Investments in securities at cost		$—		$6,962		$—		$15,110		$—
Shares outstanding		—		545		—		528		—



	Eaton Vance Variable Trust		Federated Hermes Insurance Series		Fidelity^® Variable Insurance Products Fund

	VT Floating-Rate Income Fund		Federated Hermes Kaufmann Fund II — Service Shares		VIP Contrafund^® Portfolio — Service Class 2		VIP Equity-Income Portfolio^SM — Service Class 2		VIP FundsManager^® 50% Portfolio — Service Class 2

Assets:
Investments at fair value (note 2b)		$20,863		$—		$39,822		$302		$901,115
Dividend receivable		109		—		—		—		—
Total assets		20,972		—		39,822		302		901,115

Liabilities:
Accrued expenses payable to affiliate (note 4b)		1		—		2		6		42
Payable for units withdrawn		1		—		—		—		36
Total liabilities		2		—		2		6		78
Net assets		$20,970		$—		$39,820		$296		$901,037

Investments in securities at cost		$22,848		$—		$28,240		$241		$755,061
Shares outstanding		2,493		—		700		11		67,601

See accompanying notes to financial statements.

F-4

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Assets and Liabilities — Continued

December 31, 2025



AIM Variable Insurance Funds (Invesco Variable Insurance Funds) (continued)						BlackRock Variable Series Funds, Inc.				Columbia Funds Variable Series Trust II

Invesco V.I. Global Fund — Series II shares		Invesco V.I. Main Street Fund^® — Series II shares		Invesco V.I. Main Street Small Cap Fund^® — Series II shares		BlackRock Basic Value V.I. Fund — Class III Shares		BlackRock Global Allocation V.I. Fund — Class III Shares		CTIVP^® — Principal Large Cap Growth Fund — Class 1		Columbia Variable Portfolio — Overseas Core Fund — Class 2


	$—		$—		$—		$—		$6,184,521		$410		$—
	—		—		—		—		—		—		—
	—		—		—		—		6,184,521		410		—


	—		—		—		—		284		3		—
	—		—		—		—		18		—		—
	—		—		—		—		302		3		—
	$—		$—		$—		$—		$6,184,219		$407		$—

	$—		$—		$—		$—		$6,522,765		$105		$—
	—		—		—		—		463,607		5		—



Fidelity^® Variable Insurance Products Fund (continued)								Franklin Templeton Variable Insurance Products Trust		Goldman Sachs Variable Insurance Trust		Janus Aspen Series

VIP FundsManager^® 60% Portfolio — Service Class 2		VIP Growth Opportunities Portfolio — Service Class 2		VIP Investment Grade Bond Portfolio — Service Class 2		VIP Mid Cap Portfolio — Service Class 2		Franklin Mutual Shares VIP Fund — Class 2 Shares		Goldman Sachs Government Money Market Fund — Service Shares		Janus Henderson Forty Portfolio — Service Shares


	$8,114,083		$443		$17,280		$100		$—		$20,083		$16,083
	—		—		—		—		—		59		—
	8,114,083		443		17,280		100		—		20,142		16,083


	375		1		1		7		—		1		1
	87		—		1		—		—		2		1
	462		1		2		7		—		3		2
	$8,113,621		$442		$17,278		$93		$—		$20,139		$16,081

	$6,923,874		$179		$19,711		$97		$—		$20,083		$11,821
	694,105		5		1,575		3		—		20,083		310

See accompanying notes to financial statements.

F-5

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Assets and Liabilities — Continued

December 31, 2025



	Lincoln Variable Insurance Products Trust		PIMCO Variable Insurance Trust

	LVIP American Century Inflation Protection Fund — Service Class		High Yield Portfolio — Administrative Class Shares		Long-Term U.S. Government Portfolio — Administrative Class Shares		Low Duration Portfolio — Administrative Class Shares		Total Return Portfolio — Administrative Class Shares

Assets:
Investments at fair value (note 2b)		$17,164		$25,748		$16,982		$—		$—
Dividend receivable		—		134		50		—		—
Total assets		17,164		25,882		17,032		—		—

Liabilities:
Accrued expenses payable to affiliate (note 4b)		1		1		1		—		—
Payable for units withdrawn		1		—		1		—		—
Total liabilities		2		1		2		—		—
Net assets		$17,162		$25,881		$17,030		$—		$—

Investments in securities at cost		$20,356		$26,757		$25,170		$—		$—
Shares outstanding		1,899		3,475		2,270		—		—

See accompanying notes to financial statements.

F-6

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Operations



	AB Variable Products Series Fund, Inc.					AIM Variable Insurance Funds (Invesco Variable Insurance Funds)

	AB VPS International Value Portfolio — Class B		AB VPS Small Cap Growth Portfolio — Class B			Invesco V.I. Comstock Fund — Series II shares		Invesco V.I. Core Equity Fund — Series I shares			Invesco V.I. EQV International Equity Fund — Series II shares

	Year ended December 31, 2025		Year ended December 31, 2025			Year ended December 31, 2025		Year ended December 31, 2025			Year ended December 31, 2025

Investment income and expense:
Income — Ordinary dividends		$—		$—			$—		$117			$—
Mortality and expense risk and administrative charges (note 4a)		—		74			—		255			—
Net investment income (expense)		—		(74	)		—		(138	)		—

Net realized and unrealized gain (loss) on investments:
Net realized gain (loss)		—		(29	)		—		51			—
Change in unrealized appreciation (depreciation)		—		256			—		1,152			—
Capital gain distributions		—		—			—		1,342			—
Net realized and unrealized gain (loss) on investments		—		227			—		2,545			—

Increase (decrease) in net assets from operations		$—		$153			$—		$2,407			$—



	Eaton Vance Variable Trust			Federated Hermes Insurance Series		Fidelity^® Variable Insurance Products Fund

	VT Floating-Rate Income Fund			Federated Hermes Kaufmann Fund II — Service Shares		VIP Contrafund^® Portfolio — Service Class 2			VIP Equity-Income Portfolio^SM — Service Class 2		VIP FundsManager^® 50% Portfolio — Service Class 2

	Year ended December 31, 2025			Year ended December 31, 2025		Year ended December 31, 2025			Year ended December 31, 2025		Year ended December 31, 2025

Investment income and expense:
Income — Ordinary dividends		$1,387			$—		$—			$5		$22,442
Mortality and expense risk and administrative charges (note 4a)		355			—		524			4		18,508
Net investment income (expense)		1,032			—		(524	)		1		3,934

Net realized and unrealized gain (loss) on investments:
Net realized gain (loss)		(30	)		—		183			1		68,071
Change in unrealized appreciation (depreciation)		(552	)		—		654			26		51,008
Capital gain distributions		—			—		6,170			17		—
Net realized and unrealized gain (loss) on investments		(582	)		—		7,007			44		119,079

Increase (decrease) in net assets from operations		$450			$—		$6,483			$45		$123,013

See accompanying notes to financial statements.

F-8

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Operations — Continued



AIM Variable Insurance Funds (Invesco Variable Insurance Funds) (continued)						BlackRock Variable Series Funds, Inc.					Columbia Funds Variable Series Trust II

Invesco V.I. Global Fund — Series II shares		Invesco V.I. Main Street Fund^® — Series II shares		Invesco V.I. Main Street Small Cap Fund^® — Series II shares		BlackRock Basic Value V.I. Fund — Class III Shares		BlackRock Global Allocation V.I. Fund — Class III Shares			CTIVP^® — Principal Large Cap Growth Fund — Class 1			Columbia Variable Portfolio — Overseas Core Fund — Class 2

Year ended December 31, 2025		Year ended December 31, 2025		Year ended December 31, 2025		Year ended December 31, 2025		Year ended December 31, 2025			Year ended December 31, 2025			Year ended December 31, 2025


	$—		$—		$—		$—		$244,022			$—			$—
	—		—		—		—		101,277			6			—
	—		—		—		—		142,745			(6	)		—


	—		—		—		—		(33,278	)		9			—
	—		—		—		—		270,636			42			—
	—		—		—		—		597,849			—			—
	—		—		—		—		835,207			51			—

	$—		$—		$—		$—		$977,952			$45			$—



Fidelity^® Variable Insurance Products Fund (continued)											Franklin Templeton Variable Insurance Products Trust		Goldman Sachs Variable Insurance Trust		Janus Aspen Series

VIP FundsManager^® 60% Portfolio — Service Class 2		VIP Growth Opportunities Portfolio — Service Class 2			VIP Investment Grade Bond Portfolio — Service Class 2			VIP Mid Cap Portfolio — Service Class 2			Franklin Mutual Shares VIP Fund — Class 2 Shares		Goldman Sachs Government Money Market Fund — Service Shares		Janus Henderson Forty Portfolio — Service Shares

Year ended December 31, 2025		Year ended December 31, 2025			Year ended December 31, 2025			Year ended December 31, 2025			Year ended December 31, 2025		Year ended December 31, 2025		Year ended December 31, 2025


	$162,874		$—			$586			$—			$—		$3,653		$38
	135,829		6			290			1			—		1,476		215
	27,045		(6	)		296			(1	)		—		2,177		(177	)


	116,553		7			(43	)		—			—		—		55
	848,553		68			587			(1	)		—		—		420
	35,356		6			—			11			—		—		1,939
	1,000,462		81			544			10			—		—		2,414

	$1,027,507		$75			$840			$9			$—		$2,177		$2,237

See accompanying notes to financial statements.

F-9

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Operations — Continued



	Lincoln Variable Insurance Products Trust			PIMCO Variable Insurance Trust

	LVIP American Century Inflation Protection Fund — Service Class			High Yield Portfolio — Administrative Class Shares			Long-Term U.S. Government Portfolio — Administrative Class Shares			Low Duration Portfolio — Administrative Class Shares		Total Return Portfolio — Administrative Class Shares

	Year ended December 31, 2025			Year ended December 31, 2025			Year ended December 31, 2025			Year ended December 31, 2025		Year ended December 31, 2025

Investment income and expense:
Income — Ordinary dividends		$1,247			$1,564			$549			$—		$—
Mortality and expense risk and administrative charges (note 4a)		291			428			288			—		—
Net investment income (expense)		956			1,136			261			—		—

Net realized and unrealized gain (loss) on investments:
Net realized gain (loss)		(41	)		(24	)		(144	)		—		—
Change in unrealized appreciation (depreciation)		(173	)		603			613			—		—
Capital gain distributions		—			—			—			—		—
Net realized and unrealized gain (loss) on investments		(214	)		579			469			—		—

Increase (decrease) in net assets from operations		$742			$1,715			$730			$—		$—

See accompanying notes to financial statements.

F-10

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Operations — Continued



State Street Variable Insurance Series Funds, Inc.				The Prudential Series Fund

Real Estate Securities V.I.S. Fund — Class 1 Shares		Total Return V.I.S. Fund — Class 3 Shares		PSF Natural Resources Portfolio — Class II Shares			PSF PGIM Jennison Blend Portfolio — Class II Shares

Year ended December 31, 2025		Year ended December 31, 2025		Period from January 1 to April 11, 2025			Period from April 11 to December 31, 2025


	$—		$85,503		$—			$—
	—		66,480		1			2
	—		19,023		(1	)		(2	)


	—		31,581		50			1
	—		285,069		(59	)		35
	—		166,789		—			—
	—		483,439		(9	)		36

	$—		$502,462		$(10	)		$34

See accompanying notes to financial statements.

F-11

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets



	AB Variable Products Series Fund, Inc.										AIM Variable Insurance Funds (Invesco Variable Insurance Funds)

	AB VPS International Value Portfolio — Class B				AB VPS Small Cap Growth Portfolio — Class B						Invesco V.I. Comstock Fund — Series II shares

	Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025		Year ended December 31, 2024

Increase (decrease) in net assets

From operations:
Net investment income (expense)		$—		$—		$(74	)		$(72	)		$—		$—
Net realized gain (loss) on investments		—		—		(29	)		(35	)		—		—
Change in unrealized appreciation (depreciation) on investments		—		—		256			855			—		—
Capital gain distributions		—		—		—			—			—		—
Increase (decrease) in net assets from operations		—		—		153			748			—		—

From capital transactions (note 4):
Transfers for contract benefits and terminations		—		—		—			—			—		—
Administrative expenses		—		—		(2	)		(2	)		—		—
Transfers between subaccounts (including fixed account), net		—		—		1			—			—		—
Increase (decrease) in net assets from capital transactions		—		—		(1	)		(2	)		—		—
Increase (decrease) in net assets		—		—		152			746			—		—
Net assets at beginning of year		—		—		5,224			4,478			—		—
Net assets at end of year		$—		$—		$5,376			$5,224			$—		$—

Change in units (note 5):
Units purchased		—		—		—			—			—		—
Units redeemed		—		—		—			—			—		—
Net increase (decrease) in units from capital transactions with contract owners		—		—		—			—			—		—

See accompanying notes to financial statements.

F-12

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



AIM Variable Insurance Funds (Invesco Variable Insurance Funds) (continued)

Invesco V.I. Core Equity Fund — Series I shares						Invesco V.I. EQV International Equity Fund — Series II shares				Invesco V.I. Global Fund — Series II shares				Invesco V.I. Main Street Fund^® — Series II shares				Invesco V.I. Main Street Small Cap Fund^® — Series II shares

Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025		Year ended December 31, 2024




	$(138	)		$(116	)		$—		$—		$—		$—		$—		$—		$—		$—
	51			37			—		—		—		—		—		—		—		—
	1,152			1,961			—		—		—		—		—		—		—		—
	1,342			1,309			—		—		—		—		—		—		—		—
	2,407			3,191			—		—		—		—		—		—		—		—


	—			—			—		—		—		—		—		—		—		—
	—			—			—		—		—		—		—		—		—		—
	(1	)		—			—		—		—		—		—		—		—		—
	(1	)		—			—		—		—		—		—		—		—		—
	2,406			3,191			—		—		—		—		—		—		—		—
	16,612			13,421			—		—		—		—		—		—		—		—
	$19,018			$16,612			$—		$—		$—		$—		$—		$—		$—		$—


	—			—			—		—		—		—		—		—		—		—
	—			—			—		—		—		—		—		—		—		—
	—			—			—		—		—		—		—		—		—		—

See accompanying notes to financial statements.

F-13

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



	BlackRock Variable Series Funds, Inc.										Columbia Funds Variable Series Trust II

	BlackRock Basic Value V.I. Fund — Class III Shares				BlackRock Global Allocation V.I. Fund — Class III Shares						CTIVP^® — Principal Large Cap Growth Fund — Class 1

	Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024

Increase (decrease) in net assets

From operations:
Net investment income (expense)		$—		$—		$142,745			$(19,906	)		$(6	)		$(5	)
Net realized gain (loss) on investments		—		—		(33,278	)		(55,171	)		9			12
Change in unrealized appreciation (depreciation) on investments		—		—		270,636			46,468			42			55
Capital gain distributions		—		—		597,849			493,140			—			—
Increase (decrease) in net assets from operations		—		—		977,952			464,531			45			62

From capital transactions (note 4):
Transfers for contract benefits and terminations		—		—		(732,365	)		(662,684	)		—			—
Administrative expenses		—		—		(138,917	)		(152,524	)		(7	)		(8	)
Transfers between subaccounts (including fixed account), net		—		—		(95,356	)		(306,042	)		(2	)		2
Increase (decrease) in net assets from capital transactions		—		—		(966,638	)		(1,121,250	)		(9	)		(6	)
Increase (decrease) in net assets		—		—		11,314			(656,719	)		36			56
Net assets at beginning of year		—		—		6,172,905			6,829,624			371			315
Net assets at end of year		$—		$—		$6,184,219			$6,172,905			$407			$371

Change in units (note 5):
Units purchased		—		—		3,383			3,595			—			—
Units redeemed		—		—		(56,195	)		(69,069	)		—			—
Net increase (decrease) in units from capital transactions with contract owners		—		—		(52,812	)		(65,474	)		—			—

See accompanying notes to financial statements.

F-14

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



Columbia Funds Variable Series Trust II (continued)				Eaton Vance Variable Trust						Federated Hermes Insurance Series				Fidelity^® Variable Insurance Products Fund

Columbia Variable Portfolio — Overseas Core Fund — Class 2				VT Floating-Rate Income Fund						Federated Hermes Kaufmann Fund II — Service Shares				VIP Contrafund^® Portfolio — Service Class 2						VIP Equity-Income Portfolio^SM — Service Class 2

Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024




	$—		$—		$1,032			$1,222			$—		$—		$(524	)		$(439	)		$1			$—
	—		—		(30	)		(25	)		—		—		183			175			1			1
	—		—		(552	)		(65	)		—		—		654			4,386			26			13
	—		—		—			—			—		—		6,170			3,869			17			16
	—		—		450			1,132			—		—		6,483			7,991			45			30


	—		—		—			—			—		—		—			—			—			—
	—		—		—			—			—		—		(8	)		(8	)		(5	)		(5	)
	—		—		—			—			—		—		(2	)		1			(1	)		2
	—		—		—			—			—		—		(10	)		(7	)		(6	)		(3	)
	—		—		450			1,132			—		—		6,473			7,984			39			27
	—		—		20,520			19,388			—		—		33,347			25,363			257			230
	$—		$—		$20,970			$20,520			$—		$—		$39,820			$33,347			$296			$257


	—		—		—			—			—		—		—			—			—			—
	—		—		—			—			—		—		—			—			—			—
	—		—		—			—			—		—		—			—			—			—

See accompanying notes to financial statements.

F-15

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



	Fidelity^® Variable Insurance Products Fund (continued)

	VIP FundsManager^® 50% Portfolio — Service Class 2						VIP FundsManager^® 60% Portfolio — Service Class 2						VIP Growth Opportunities Portfolio — Service Class 2

	Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024

Increase (decrease) in net assets

From operations:
Net investment income (expense)		$3,934			$3,079			$27,045			$13,592			$(6	)		$(5	)
Net realized gain (loss) on investments		68,071			37,840			116,553			42,346			7			8
Change in unrealized appreciation (depreciation) on investments		51,008			59,765			848,553			598,291			68			99
Capital gain distributions		—			—			35,356			—			6			—
Increase (decrease) in net assets from operations		123,013			100,684			1,027,507			654,229			75			102

From capital transactions (note 4):
Transfers for contract benefits and terminations		(108,799	)		(335,541	)		(1,107,863	)		(841,233	)		—			—
Administrative expenses		(26,105	)		(34,304	)		(139,683	)		(154,033	)		(8	)		(8	)
Transfers between subaccounts (including fixed account), net		(327,828	)		(49,339	)		(5,257	)		(186,754	)		(1	)		1
Increase (decrease) in net assets from capital transactions		(462,732	)		(419,184	)		(1,252,803	)		(1,182,020	)		(9	)		(7	)
Increase (decrease) in net assets		(339,719	)		(318,500	)		(225,296	)		(527,791	)		66			95
Net assets at beginning of year		1,240,756			1,559,256			8,338,917			8,866,708			376			281
Net assets at end of year		$901,037			$1,240,756			$8,113,621			$8,338,917			$442			$376

Change in units (note 5):
Units purchased		969			792			2,304			1,253			—			—
Units redeemed		(25,531	)		(24,466	)		(60,888	)		(60,648	)		—			—
Net increase (decrease) in units from capital transactions with contract owners		(24,562	)		(23,674	)		(58,584	)		(59,395	)		—			—

See accompanying notes to financial statements.

F-16

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



Fidelity^® Variable Insurance Products Fund (continued)												Franklin Templeton Variable Insurance Products Trust				Goldman Sachs Variable Insurance Trust						Janus Aspen Series

VIP Investment Grade Bond Portfolio — Service Class 2						VIP Mid Cap Portfolio — Service Class 2						Franklin Mutual Shares VIP Fund — Class 2 Shares				Goldman Sachs Government Money Market Fund — Service Shares						Janus Henderson Forty Portfolio — Service Shares

Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024




	$296			$270			$(1	)		$(1	)		$—		$—		$2,177			$5,861			$(177	)		$(187	)
	(43	)		(47	)		—			—			—		—		—			—			55			48
	587			(262	)		(1	)		1			—		—		—			—			420			2,217
	—			—			11			12			—		—		—			—			1,939			805
	840			(39	)		9			12			—		—		2,177			5,861			2,237			2,883


	—			—			—			—			—		—		(523,684	)		(743,094	)		—			—
	—			—			(2	)		(2	)		—		—		(1,336	)		(2,849	)		(6	)		(6	)
	—			—			—			—			—		—		403,251			694,370			—			—
	—			—			(2	)		(2	)		—		—		(121,769	)		(51,573	)		(6	)		(6	)
	840			(39	)		7			10			—		—		(119,592	)		(45,712	)		2,231			2,877
	16,438			16,477			86			76			—		—		139,731			185,443			13,850			10,973
	$17,278			$16,438			$93			$86			$—		$—		$20,139			$139,731			$16,081			$13,850


	—			—			—			—			—		—		42,423			91,925			—			—
	—			—			—			—			—		—		(54,966	)		(97,657	)		—			—
	—			—			—			—			—		—		(12,543	)		(5,732	)		—			—

See accompanying notes to financial statements.

F-17

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



	Lincoln Variable Insurance Products Trust						PIMCO Variable Insurance Trust

	LVIP American Century Inflation Protection Fund — Service Class						High Yield Portfolio — Administrative Class Shares						Long-Term U.S. Government Portfolio — Administrative Class Shares

	Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024			Year ended December 31, 2025			Year ended December 31, 2024

Increase (decrease) in net assets

From operations:
Net investment income (expense)		$956			$333			$1,136			$967			$261			$171
Net realized gain (loss) on investments		(41	)		(45	)		(24	)		(31	)		(144	)		(139	)
Change in unrealized appreciation (depreciation) on investments		(173	)		(320	)		603			227			613			(1,376	)
Capital gain distributions		—			—			—			—			—			—
Increase (decrease) in net assets from operations		742			(32	)		1,715			1,163			730			(1,344	)

From capital transactions (note 4):
Transfers for contract benefits and terminations		—			—			—			—			—			—
Administrative expenses		—			—			—			—			—			—
Transfers between subaccounts (including fixed account), net		1			—			—			2			—			—
Increase (decrease) in net assets from capital transactions		1			—			—			2			—			—
Increase (decrease) in net assets		743			(32	)		1,715			1,165			730			(1,344	)
Net assets at beginning of year		16,419			16,451			24,166			23,001			16,300			17,644
Net assets at end of year		$17,162			$16,419			$25,881			$24,166			$17,030			$16,300

Change in units (note 5):
Units purchased		—			—			—			—			—			—
Units redeemed		—			—			—			—			—			—
Net increase (decrease) in units from capital transactions with contract owners		—			—			—			—			—			—

See accompanying notes to financial statements.

F-18

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Statements of Changes in Net Assets — Continued



PIMCO Variable Insurance Trust (continued)								State Street Variable Insurance Series Funds, Inc.										The Prudential Series Fund

Low Duration Portfolio — Administrative Class Shares				Total Return Portfolio — Administrative Class Shares				Real Estate Securities V.I.S. Fund — Class 1 Shares				Total Return V.I.S. Fund — Class 3 Shares						PSF Natural Resources Portfolio — Class II Shares						PSF PGIM Jennison Blend Portfolio — Class II Shares

Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025		Year ended December 31, 2024		Year ended December 31, 2025			Year ended December 31, 2024			Period from January 1 to April 11, 2025			Year ended December 31, 2024			Period from April 11 to December 31, 2025			Year ended December 31, 2024




	$—		$—		$—		$—		$—		$—		$19,023			$99,517			$(1	)		$(3	)		$(2	)		$—
	—		—		—		—		—		—		31,581			(17,031	)		50			3			1			—
	—		—		—		—		—		—		285,069			290,355			(59	)		3			35			—
	—		—		—		—		—		—		166,789			828			—			—			—			—
	—		—		—		—		—		—		502,462			373,669			(10	)		3			34			—


	—		—		—		—		—		—		(401,526	)		(583,463	)		—			—			—			—
	—		—		—		—		—		—		(89,373	)		(94,093	)		—			(3	)		(3	)		—
	—		—		—		—		—		—		25,564			(151,784	)		(119	)		1			121			—
	—		—		—		—		—		—		(465,335	)		(829,340	)		(119	)		(2	)		118			—
	—		—		—		—		—		—		37,127			(455,671	)		(129	)		1			152			—
	—		—		—		—		—		—		3,955,107			4,410,778			129			128			—			—
	$—		$—		$—		$—		$—		$—		$3,992,234			$3,955,107			$—			$129			$152			$—


	—		—		—		—		—		—		4,422			11,148			—			—			12			—
	—		—		—		—		—		—		(28,524	)		(58,889	)		(13	)		—			(1	)		—
	—		—		—		—		—		—		(24,102	)		(47,741	)		(13	)		—			11			—

See accompanying notes to financial statements.

F-19

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements

December 31, 2025

(1)

Description of Entity

Genworth Life of New York VA Separate Account 3 (the “Separate Account”) is a separate investment account established on October 7, 2009, by Genworth Life Insurance Company of New York (“GLICNY”), pursuant to the laws of the State of New York. GLICNY is a stock life insurance company incorporated under the laws of New York on February 23, 1988. GLICNY is owned 65.5% by Genworth Life Insurance Company (“GLIC”) and 34.5% by Genworth Life and Annuity Insurance Company (“GLAIC”). GLAIC is a direct, wholly-owned subsidiary of GLIC, and GLIC is a direct, wholly-owned subsidiary of Genworth North America Corporations (“GNA”), which is indirectly wholly-owned by Genworth Financial, Inc. (“Genworth”).

GLICNY’s principal products are long-term care insurance (“LTC”), fixed deferred and immediate annuities, and life insurance. LTC products are intended to protect against the significant and escalating costs of LTC services provided in the insured’s home or assisted living or nursing facilities. Effective January 5, 2021, GLICNY suspended sales of its LTC products in New York.

Deferred annuities are intended for contract owners who want to accumulate tax-deferred assets for retirement, desire a tax-efficient source of income and seek to protect against outliving their assets. Immediate annuities provide a fixed amount of income for one of the following: a defined number of years, the annuitant’s lifetime or the longer of a defined number of years and the annuitant’s lifetime. Life insurance products provide protection against financial hardship primarily after the death of an insured. On March 7, 2016, Genworth suspended sales of its traditional life insurance and fixed annuity products; however, GLICNY continues to service its existing retained and reinsured blocks of business.

GLICNY also has other products which have not been actively sold since 2011, but it continues to service its existing blocks of business. Those products include variable annuities and variable life insurance. Most of the variable annuities include a guaranteed minimum death benefit. Some of the individual variable annuity products include guaranteed minimum benefit features such as guaranteed minimum withdrawal benefits and certain types of guaranteed annuitization benefits.

The Separate Account has subaccounts that currently invest in series or portfolios (“Portfolios”) of open-end mutual funds (“Funds”). Such Portfolios are not sold directly to the general public. The Portfolios are sold to GLICNY, and they may also be sold to other insurance companies that issue variable annuity contracts and variable life insurance policies, including affiliated insurance companies of GLICNY. In addition, the Portfolios may be sold to retirement plans. GLICNY uses the Separate Account to support flexible purchase payment variable deferred annuity contracts issued by GLICNY, as well as other purposes permitted by law.

Currently, there are multiple subaccounts of the Separate Account available under each contract. Each subaccount invests exclusively in shares representing an interest in a separate corresponding Portfolio (a division of a Fund, the assets of which are separate from other Portfolios that may be available in the Fund).

The assets of the Separate Account belong to GLICNY. However, GLICNY does not charge the assets in the Separate Account attributable to the contracts with liabilities arising out of any other business that GLICNY may conduct. The assets of the Separate Account will, however, be available to cover the liabilities of GLICNY’s General Account to the extent that the assets of the Separate Account exceed its liabilities arising under the contracts supported by it. Income and both realized and unrealized gains or losses from the assets of the Separate Account are credited to or charged against the Separate Account without regard to the income, gains or losses arising out of any other business GLICNY may conduct. Guarantees made under the contracts, including any rider options, are based on the claims paying ability of GLICNY to the extent that the amount of the guarantee exceeds the assets available in the Separate Account.

The Separate Account is registered with the U.S. Securities and Exchange Commission (“SEC”) as a unit investment trust under the Investment Company Act of 1940, as amended. The Separate Account meets the definition of a separate account under the Federal securities laws. Registration with the SEC does not involve supervision of the management or investment practices or policies of the Separate Account by the SEC. Contract owners assume the full investment risk for amounts allocated by contract owners to the Separate Account.

F-20

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025

During the years ended December 31, 2025 and 2024, the following Portfolio name was changed:


Prior Portfolio Name	Current Portfolio Name	Effective Date
Columbia Funds Variable Series Trust II — CTIVP^® — Principal Blue Chip Growth Fund — Class 1	Columbia Funds Variable Series Trust II — CTIVP^® — Principal Large Cap Growth Fund — Class 1	May 30, 2025
American Century Variable Portfolios II, Inc. — VP Inflation Protection Fund — Class II	Lincoln Variable Insurance Products Trust — LVIP American Century Inflation Protection Fund — Service Class	April 26, 2024

During the year ended December 31, 2025, the following Portfolio(s) were liquidated, and the Portfolio assets were reinvested in new or existing Portfolio(s):


Liquidated Portfolio	Reinvested Portfolio	Inception Date
The Prudential Series Fund — PSF Natural Resources Portfolio — Class II Shares	The Prudential Series Fund — PSF PGIM Jennison Blend Portfolio — Class II Shares	April 11, 2025

All designated Portfolios listed above are series type mutual funds.

(2)

Summary of Significant Accounting Policies

(a) Basis of Presentation

These financial statements have been prepared on the basis of U.S. generally accepted accounting principles (“U.S. GAAP”). Preparing financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect amounts and disclosures reported therein. Actual results could differ from those estimates. The Separate Account is an investment company and follows accounting and reporting guidance under Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 946, Financial Services – Investment Companies.

(b) Investments

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. In determining fair value, the Separate Account, generally, uses a market approach as the valuation technique due to the nature of the mutual fund investments offered in the Separate Account. This technique maximizes the use of observable inputs and minimizes the use of unobservable inputs. Investments in mutual funds are valued at the mutual fund’s closing net asset value per share on the day of valuation.

Valuation Inputs: Various inputs are used to determine the value of the mutual fund’s investments. These inputs are summarized in the three broad levels listed below:

•

Level 1 — quoted prices in active markets for identical securities;

•

Level 2 — observable inputs other than Level 1 quoted prices (including, but not limited to, quoted prices for similar securities, interest rates, prepayment speeds and credit risk); and

•

Level 3 — unobservable inputs.

The investments of the Separate Account are measured at fair value on a recurring basis. All investments are categorized as Level 1 as of December 31, 2025 and there were no transfers between the levels during 2025.

F-21

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025

Purchases and redemptions of investments in mutual funds are recorded on the Valuation Day that the request for the purchase or redemption is received. A Valuation Day is any day that the New York Stock Exchange is open for regular trading, except for days on which a Portfolio does not value its shares. Income distributions, and gains from realized gain distributions, are recorded on the ex-dividend date. Realized gains and losses on investments are determined on the average cost basis. Units and unit values are disclosed as of the last Valuation Day of the applicable year or period.

(c) Unit Classes

There are several unit classes of subaccounts based on the variable annuity contract through which the subaccounts are available. An indefinite number of units in each unit class is authorized. Each unit class has its own expense structure as noted in note 4(a) below. In January 2011, Genworth announced that its insurance company subsidiaries, including GLICNY, would discontinue new sales of variable annuity products but would continue to service existing blocks of business. Although the contracts are no longer available for new sales, additional purchase payments may still be accepted under the terms of the contracts.

(d) Federal Income Taxes

The operations of the Separate Account are a part of, and taxed with, the operations of GLICNY. Therefore, the Separate Account is not separately taxed as a regulated investment company under Subchapter M of the Internal Revenue Code of 1986, as amended (the “Code”). Under existing federal income tax laws, investment income and capital gains of the Separate Account are not taxed. Accordingly, the Separate Account paid no federal income taxes and no federal income tax payment was required. GLICNY is taxed as a life insurance company under the Code.

(e) Net Assets

Net assets are currently attributable to contract owners in the accumulation period as no contract owners have begun receiving annuity payments.

(f) Segment Reporting

An operating segment is defined in Topic 280 as a component of a public entity that engages in business activities from which it may recognize revenues and incur expenses, has operating results that are regularly reviewed by a public entity’s chief operating decision maker (“CODM”) to make decisions about resources to be allocated to the segment and assess its performance, and has discrete financial information available. The subaccounts within the Separate Account apply the guidance in Topic 280, Segment Reporting, which impacts financial statement disclosures only and does not affect the financial position or results of operations of the subaccounts of the Separate Account. The subaccounts have acted as single reportable segments, and the CODM of the subaccounts within the Separate Account is the Variable Product Portfolio Manager. The Separate Account is structured with a limited purpose by design, and its sole purpose is to record and report the invested funds and activities and performance chosen by contract/policy holders. Investment performance of funds may vary based on the underlying fund’s investment objectives specified in the fund prospectuses. Significant revenues and expenses are reported on the Statements of Changes in Net Assets and are reviewed by the CODM. The accounting policies of the segment are the same as those described in the summary of significant accounting policies herein.

(g) Subsequent Events

No material subsequent events have occurred since December 31, 2025 through April 23, 2026, the date the financial statements were available to be issued, that would require adjustment to the financial statements.

F-22

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025

(3)

Purchases and Sales of Investments

The aggregate cost of investments acquired, and the aggregate proceeds of investments sold, for the year or lesser period ended December 31, 2025 were:


Fund/Portfolio	Cost of Shares Acquired		Proceeds from Shares Sold
AB Variable Products Series Fund, Inc.
AB VPS International Value Portfolio — Class B	$	—	$	—
AB VPS Small Cap Growth Portfolio — Class B		—		76
AIM Variable Insurance Funds (Invesco Variable Insurance Funds)
Invesco V.I. Comstock Fund — Series II shares		—		—
Invesco V.I. Core Equity Fund — Series I shares		1,459		255
Invesco V.I. EQV International Equity Fund — Series II shares		—		—
Invesco V.I. Global Fund — Series II shares		—		—
Invesco V.I. Main Street Fund^® — Series II shares		—		—
Invesco V.I. Main Street Small Cap Fund^® — Series II shares		—		—
BlackRock Variable Series Funds, Inc.
BlackRock Basic Value V.I. Fund — Class III Shares		—		—
BlackRock Global Allocation V.I. Fund — Class III Shares		904,185		1,130,228
Columbia Funds Variable Series Trust II
CTIVP^® — Principal Large Cap Growth Fund — Class 1		—		12
Columbia Variable Portfolio — Overseas Core Fund — Class 2		—		—
Eaton Vance Variable Trust
VT Floating-Rate Income Fund		1,401		354
Federated Hermes Insurance Series
Federated Hermes Kaufmann Fund II — Service Shares		—		—
Fidelity^® Variable Insurance Products Fund
VIP Contrafund^® Portfolio — Service Class 2		6,170		533
VIP Equity-Income Portfolio^SM — Service Class 2		21		7
VIP FundsManager^® 50% Portfolio — Service Class 2		40,630		499,443
VIP FundsManager^® 60% Portfolio — Service Class 2		245,892		1,436,300
VIP Growth Opportunities Portfolio — Service Class 2		6		12
VIP Investment Grade Bond Portfolio — Service Class 2		586		289
VIP Mid Cap Portfolio — Service Class 2		11		2
Franklin Templeton Variable Insurance Products Trust
Franklin Mutual Shares VIP Fund — Class 2 Shares		—		—
Goldman Sachs Variable Insurance Trust
Goldman Sachs Government Money Market Fund — Service Shares		407,221		526,568
Janus Aspen Series
Janus Henderson Forty Portfolio — Service Shares		1,977		219
Lincoln Variable Insurance Products Trust
LVIP American Century Inflation Protection Fund — Service Class		1,247		290
PIMCO Variable Insurance Trust
High Yield Portfolio — Administrative Class Shares		1,552		428
Long-Term U.S. Government Portfolio — Administrative Class Shares		542		287
Low Duration Portfolio — Administrative Class Shares		—		—
Total Return Portfolio — Administrative Class Shares		—		—

F-23

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


Fund/Portfolio	Cost of Shares Acquired		Proceeds from Shares Sold
State Street Variable Insurance Series Funds, Inc.
Real Estate Securities V.I.S. Fund — Class 1 Shares	$	—	$	—
Total Return V.I.S. Fund — Class 3 Shares		334,808		614,328
The Prudential Series Fund
PSF Natural Resources Portfolio — Class II Shares		—		123
PSF PGIM Jennison Blend Portfolio — Class II Shares		123		6

(4)

Related Party Transactions

(a) GLICNY

Net purchase payments (premiums) transferred from GLICNY to the Separate Account represent gross premiums recorded by GLICNY on its flexible premium variable deferred annuity contracts, less deductions retained as compensation for premium taxes. GLICNY may deduct charges for the premium tax or other tax levied by any governmental entity from purchase payments or assets when the premium tax is incurred or when we pay proceeds under the contract. During the period of January 1, 2024 to December 31, 2025, there were no premiums received.

Some contracts permit contract owners to elect to allocate assets to a Guarantee Account that is part of the General Account of GLICNY. Amounts allocated to the Guarantee Account earn interest at the interest rate in effect at the time of such allocation or transfer. The interest rate remains in effect for a guaranteed period of time (at least a period of one year), after which a new rate may be declared. Contract owners may transfer amounts from the Guarantee Account to the subaccounts of the Separate Account and in certain instances transfer amounts from the subaccounts of the Separate Account to the Guarantee Account.

Generally, charges are assessed under the contracts to cover surrenders, certain administrative expenses, and the mortality and expense risks that GLICNY assumes, as well as any additional benefits provided under the contract such as optional benefits, as applicable. The surrender charges are assessed to cover certain expenses relating to the sale of a contract. The fees charged to cover administrative expenses and mortality and expense risk charges, as well as through certain electable rider options, are assessed through the daily unit value calculation. Those fees are assessed on the contract owner’s daily average net assets in the Separate Account. Other charges assessed to cover certain other administrative expenses, as well as certain optional riders, are assessed by the redemption of units. Note 6 presents the total charge percentage by unit in a range. The unit class may encompass multiple contracts through a combination of one or more electable rider options equal to the total amount assessed on a daily basis.

The Separate Account assesses charges associated with the contracts issued. These charges are either assessed as a direct reduction in unit values or through a redemption of units for all contracts contained within the Separate Account.


Mortality and Expense Risk Charge This charge is assessed through a reduction in unit values.		1.00% — 1.80% of the daily value of the assets invested in each Portfolio (fund).

Administrative Charge This charge is assessed through a reduction in unit values.		0.15% of the daily value of the assets invested in each fund.

Annual Administrative Charge This charge is assessed through a redemption in units.		$0 — $40 per contract year invested in each fund.

Surrender Charge This charge is assessed through a redemption in units.		0.00% — 6.00% on the value of the accumulation units purchased.

F-24

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025

(b) Accrued Expenses Payable to Affiliate

Charges and deductions made under the contracts for services and benefits unpaid at year-end are accrued and payable to GLICNY.

(c) Capital Brokerage Corporation

Capital Brokerage Corporation (“CBC”), an affiliate of GLICNY, is a Washington corporation registered with the SEC under the Securities Exchange Act of 1934 as a broker-dealer and is a member of the Financial Industry Regulatory Authority (“FINRA”). CBC serves as the distributor and principal underwriter for variable annuity contracts and variable life insurance policies issued by GLICNY. GLICNY pays commissions and other marketing related expenses to CBC. Certain officers and directors of GLICNY are also officers and directors of CBC.

(5)

Capital Transactions

All dividends and capital gain distributions of the Portfolios are automatically reinvested in shares of the distributing Portfolios at their net asset value on the date of distribution. In other words, Portfolio dividends or Portfolio distributions are not paid to contract owners as additional units, but instead are reflected in unit values.

The increase (decrease) in outstanding units and amounts by subaccount from capital transactions for the years or lesser periods ended December 31, 2025 and 2024 is reflected in the Statements of Changes in Net Assets.

(6)

Financial Highlights

GLICNY’s variable annuity products have unique combinations of features and fees that are assessed to the contract owner. Differences in fee structures result in a variety of contract expense rates, unit values, and total returns. A summary by subaccount of the outstanding units, unit values, net assets, expense ratios, investment income ratios and total return ratios for the years or lesser periods ended December 31, 2025, 2024, 2023, 2022, and 2021 follows. This information is presented as a range based upon product grouping. Expenses as a percent of average net assets are presented as a range of lowest to highest contract expense rate. The unit value and total return ranges are presented to correlate to the respective expense rate. Accordingly, some individual contract amounts may not be within the ranges presented due to the timing of the introduction of new funds.


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
AB Variable Products Series Fund, Inc.
AB VPS International Value Portfolio — Class B
2025		1.15% to 1.95%		—		16.73 to 14.70		—		0.00%		39.65% to 38.52%
2024		1.15% to 1.95%		—		11.98 to 10.61		—		0.00%		3.59% to 2.75%
2023		1.15% to 1.95%		—		11.56 to 10.33		—		0.00%		13.51% to 12.60%
2022		1.15% to 1.95%		—		10.19 to 9.17		—		0.00%		(14.79)% to (15.47)%
2021		1.15% to 1.95%		—		11.96 to 10.85		—		0.00%		9.58% to 8.69%
AB VPS Small Cap Growth Portfolio — Class B
2025		1.45% to 1.45%		108		50.17 to 50.17		5		0.00%		2.94% to 2.94%
2024		1.45% to 1.45%		108		48.74 to 48.74		5		0.00%		16.72% to 16.72%
2023		1.45% to 1.45%		108		41.76 to 41.76		4		0.00%		16.02% to 16.02%
2022		1.45% to 1.45%		128		35.99 to 35.99		5		0.00%		(40.14)% to (40.14)%
2021		1.45% to 1.45%		168		60.13 to 60.13		10		0.00%		7.62% to 7.62%

F-25

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
AIM Variable Insurance Funds (Invesco Variable Insurance Funds)
Invesco V.I. Comstock Fund — Series II shares
2025		1.15% to 1.95%		—		45.39 to 39.88		—		0.00%		15.80% to 14.86%
2024		1.15% to 1.95%		—		39.19 to 34.72		—		0.00%		13.54% to 12.62%
2023		1.15% to 1.95%		—		34.52 to 30.83		—		0.00%		10.81% to 9.92%
2022		1.15% to 1.95%		—		31.15 to 28.05		—		0.00%		(0.31)% to (1.12)%
2021		1.15% to 1.95%		—		31.25 to 28.36		—		0.00%		31.51% to 30.45%
Invesco V.I. Core Equity Fund — Series I shares
2025		1.45% to 1.45%		497		38.32 to 38.32		19		0.67%		14.48% to 14.48%
2024		1.45% to 1.45%		497		33.47 to 33.47		17		0.71%		23.78% to 23.78%
2023		1.45% to 1.45%		497		27.04 to 27.04		13		0.75%		21.58% to 21.58%
2022		1.45% to 1.45%		497		22.24 to 22.24		11		0.93%		(21.70)% to (21.70)%
2021		1.45% to 1.45%		497		28.41 to 28.41		14		0.67%		25.89% to 25.89%
Invesco V.I. EQV International Equity Fund — Series II shares
2025		1.15% to 1.95%		—		20.25 to 17.79		—		0.00%		14.89% to 13.96%
2024		1.15% to 1.95%		—		17.63 to 15.61		—		0.00%		(0.82)% to (1.62)%
2023		1.15% to 1.95%		—		17.77 to 15.87		—		0.00%		16.52% to 15.58%
2022		1.15% to 1.95%		—		15.25 to 13.73		—		0.00%		(19.44)% to (20.09)%
2021		1.15% to 1.95%		—		18.93 to 17.18		—		0.00%		4.39% to 3.55%
Invesco V.I. Global Fund — Series II shares
2025		1.15% to 1.95%		—		38.29 to 33.64		—		0.00%		13.69% to 12.77%
2024		1.15% to 1.95%		—		33.68 to 29.83		—		0.00%		14.44% to 13.51%
2023		1.15% to 1.95%		—		29.43 to 26.28		—		0.00%		32.91% to 31.83%
2022		1.15% to 1.95%		—		22.14 to 19.93		—		0.00%		(32.72)% to (33.26)%
2021		1.45% to 1.45%		418		31.74 to 31.74		13		0.00%		13.50% to 13.50%
Invesco V.I. Main Street Fund^® — Series II shares
2025		1.15% to 1.95%		—		51.33 to 45.10		—		0.00%		14.31% to 13.39%
2024		1.15% to 1.95%		—		44.91 to 39.78		—		0.00%		21.96% to 20.97%
2023		1.15% to 1.95%		—		36.82 to 32.88		—		0.00%		21.42% to 20.44%
2022		1.15% to 1.95%		—		30.32 to 27.30		—		0.00%		(21.23)% to (21.86)%
2021		1.15% to 1.95%		—		38.50 to 34.94		—		0.00%		25.77% to 24.75%
Invesco V.I. Main Street Small Cap Fund^® — Series II shares
2025		1.15% to 1.95%		—		44.75 to 39.32		—		0.00%		7.19% to 6.33%
2024		1.15% to 1.95%		—		41.75 to 36.98		—		0.00%		11.10% to 10.20%
2023		1.15% to 1.95%		—		37.58 to 33.55		—		0.00%		16.47% to 15.53%
2022		1.15% to 1.95%		—		32.26 to 29.04		—		0.00%		(17.01)% to (17.68)%
2021		1.15% to 1.95%		—		38.87 to 35.28		—		0.00%		20.86% to 19.88%

F-26

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
BlackRock Variable Series Funds, Inc.
BlackRock Basic Value V.I. Fund — Class III Shares
2025		1.15% to 1.95%		—		38.46 to 33.79		—		0.00%		22.61% to 21.62%
2024		1.15% to 1.95%		—		31.36 to 27.78		—		0.00%		8.78% to 7.90%
2023		1.15% to 1.95%		—		28.83 to 25.75		—		0.00%		14.91% to 13.98%
2022		1.15% to 1.95%		—		25.09 to 22.59		—		0.00%		(6.21)% to (6.97)%
2021		1.45% to 1.45%		884		25.80 to 25.80		23		1.12%		19.58% to 19.58%
BlackRock Global Allocation V.I. Fund — Class III Shares
2025		1.15% to 1.90%		303,523		22.12 to 19.59		6,184		4.02%		18.14% to 17.24%
2024		1.15% to 1.90%		356,335		18.72 to 16.71		6,173		1.38%		7.66% to 6.85%
2023		1.15% to 1.90%		421,809		17.39 to 15.64		6,830		2.40%		11.20% to 10.36%
2022		1.15% to 1.90%		507,460		15.64 to 14.17		7,438		0.00%		(17.04)% to (17.67)%
2021		1.15% to 1.90%		603,551		18.85 to 17.21		10,737		0.80%		5.19% to 4.39%
Columbia Funds Variable Series Trust II
CTIVP^® — Principal Large Cap Growth Fund — Class 1
2025		1.45% to 1.45%		13		34.03 to 34.03		—		0.00%		12.13% to 12.13%
2024		1.45% to 1.45%		13		30.35 to 30.35		—		0.00%		19.65% to 19.65%
2023		1.45% to 1.45%		13		25.37 to 25.37		—		0.00%		37.52% to 37.52%
2022		1.45% to 1.45%		124		18.44 to 18.44		2		0.00%		(29.05)% to (29.05)%
2021		1.45% to 1.45%		348		26.00 to 26.00		9		0.00%		16.85% to 16.85%
Columbia Variable Portfolio — Overseas Core Fund — Class 2
2025		1.15% to 1.95%		—		19.36 to 17.90		—		0.00%		36.28% to 35.17%
2024		1.15% to 1.95%		—		14.21 to 13.24		—		0.00%		2.04% to 1.21%
2023		1.15% to 1.95%		—		13.93 to 13.08		—		0.00%		14.00% to 13.08%
2022		1.15% to 1.95%		—		12.21 to 11.57		—		0.00%		(15.88)% to (16.56)%
2021		1.15% to 1.95%		—		14.52 to 13.87		—		0.00%		8.48% to 7.60%
Eaton Vance Variable Trust
VT Floating-Rate Income Fund
2025		1.70% to 1.70%		1,465		14.31 to 14.31		21		6.70%		2.19% to 2.19%
2024		1.70% to 1.70%		1,465		14.00 to 14.00		21		7.86%		5.84% to 5.84%
2023		1.70% to 1.70%		1,465		13.23 to 13.23		19		8.18%		9.33% to 9.33%
2022		1.70% to 1.70%		1,465		12.10 to 12.10		18		4.60%		(4.39)% to (4.39)%
2021		1.45% to 1.70%		2,305		13.04 to 12.65		30		2.90%		2.12% to 1.86%
Federated Hermes Insurance Series
Federated Hermes Kaufmann Fund II — Service Shares
2025		1.15% to 1.95%		—		38.82 to 34.11		—		0.00%		9.98% to 9.09%
2024		1.15% to 1.95%		—		35.30 to 31.26		—		0.00%		15.42% to 14.49%
2023		1.15% to 1.95%		—		30.58 to 27.31		—		0.00%		13.54% to 12.63%
2022		1.15% to 1.95%		—		26.93 to 24.25		—		0.00%		(31.06)% to (31.62)%
2021		1.15% to 1.95%		—		39.07 to 35.46		—		0.00%		1.09% to 0.27%

F-27

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
Fidelity^® Variable Insurance Products Fund
VIP Contrafund^® Portfolio — Service Class 2
2025		1.45% to 1.45%		715		55.70 to 55.70		40		0.00%		19.44% to 19.44%
2024		1.45% to 1.45%		715		46.64 to 46.64		33		0.03%		31.50% to 31.50%
2023		1.45% to 1.45%		715		35.47 to 35.47		25		0.26%		31.19% to 31.19%
2022		1.45% to 1.45%		789		27.03 to 27.03		21		0.25%		(27.55)% to (27.55)%
2021		1.45% to 1.45%		938		37.31 to 37.31		35		0.03%		25.66% to 25.66%
VIP Equity-Income Portfolio^SM— Service Class 2
2025		1.45% to 1.45%		8		35.68 to 35.68		—		1.73%		17.03% to 17.03%
2024		1.45% to 1.45%		8		30.49 to 30.49		—		1.66%		13.38% to 13.38%
2023		1.45% to 1.45%		8		26.89 to 26.89		—		0.73%		8.78% to 8.78%
2022		1.45% to 1.45%		85		24.72 to 24.72		2		1.04%		(6.62)% to (6.62)%
2021		1.45% to 1.45%		240		26.47 to 26.47		6		1.39%		22.80% to 22.80%
VIP FundsManager^® 50% Portfolio — Service Class 2
2025		1.15% to 1.90%		45,075		21.57 to 19.40		901		2.07%		12.72% to 11.87%
2024		1.15% to 1.90%		69,637		19.13 to 17.34		1,241		1.93%		7.12% to 6.31%
2023		1.15% to 1.90%		93,311		17.86 to 16.31		1,559		2.19%		11.36% to 10.52%
2022		1.15% to 1.90%		119,846		16.04 to 14.76		1,809		1.79%		(15.02)% to (15.67)%
2021		1.15% to 1.90%		136,840		18.87 to 17.50		2,446		0.96%		8.61% to 7.79%
VIP FundsManager^® 60% Portfolio — Service Class 2
2025		1.45% to 1.90%		354,446		23.61 to 22.15		8,114		2.01%		13.84% to 13.32%
2024		1.45% to 1.90%		413,030		20.74 to 19.55		8,339		1.83%		7.85% to 7.36%
2023		1.45% to 1.90%		472,425		19.23 to 18.21		8,867		2.14%		12.43% to 11.91%
2022		1.45% to 1.90%		527,414		17.11 to 16.27		8,825		1.60%		(16.48)% to (16.86)%
2021		1.45% to 1.90%		630,179		20.48 to 19.57		12,662		0.93%		10.58% to 10.08%
VIP Growth Opportunities Portfolio — Service Class 2
2025		1.45% to 1.45%		5		86.47 to 86.47		—		0.00%		19.87% to 19.87%
2024		1.45% to 1.45%		5		72.13 to 72.13		—		0.00%		36.54% to 36.54%
2023		1.45% to 1.45%		5		52.83 to 52.83		—		0.00%		43.20% to 43.20%
2022		1.45% to 1.45%		52		36.89 to 36.89		2		0.00%		(39.21)% to (39.21)%
2021		1.45% to 1.45%		148		60.69 to 60.69		9		0.00%		10.05% to 10.05%
VIP Investment Grade Bond Portfolio — Service Class 2
2025		1.70% to 1.70%		1,603		10.78 to 10.78		17		3.46%		5.11% to 5.11%
2024		1.70% to 1.70%		1,603		10.26 to 10.26		16		3.36%		(0.24)% to (0.24)%
2023		1.70% to 1.70%		1,603		10.28 to 10.28		16		2.50%		4.20% to 4.20%
2022		1.70% to 1.70%		1,603		9.87 to 9.87		16		2.13%		(14.69)% to (14.69)%
2021		1.70% to 1.70%		1,603		11.56 to 11.56		19		1.82%		(2.58)% to (2.58)%

F-28

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
VIP Mid Cap Portfolio — Service Class 2
2025		1.45% to 1.45%		4		38.27 to 38.27		—		0.28%		9.87% to 9.87%
2024		1.45% to 1.45%		4		34.83 to 34.83		—		0.37%		15.47% to 15.47%
2023		1.45% to 1.45%		4		30.17 to 30.17		—		0.16%		13.14% to 13.14%
2022		1.45% to 1.45%		26		26.66 to 26.66		1		0.16%		(16.20)% to (16.20)%
2021		1.45% to 1.45%		71		31.82 to 31.82		2		0.29%		23.49% to 23.49%
Franklin Templeton Variable Insurance Products Trust
Franklin Mutual Shares VIP Fund — Class 2 Shares
2025		1.15% to 1.95%		—		27.48 to 24.15		—		0.00%		10.24% to 9.35%
2024		1.15% to 1.95%		—		24.93 to 22.08		—		0.00%		9.98% to 9.09%
2023		1.15% to 1.95%		—		22.67 to 20.24		—		0.00%		12.16% to 11.26%
2022		1.15% to 1.95%		—		20.21 to 18.19		—		0.00%		(8.49)% to (9.23)%
2021		1.15% to 1.95%		—		22.09 to 20.05		—		0.00%		17.80% to 16.85%
Goldman Sachs Variable Insurance Trust
Goldman Sachs Government Money Market Fund — Service Shares
2025		1.45% to 1.45%		2,028		9.93 to 9.93		20		3.87%		2.44% to 2.44%
2024		1.45% to 1.70%		14,571		9.69 to 9.39		140		3.27%		3.38% to 3.12%
2023		1.45% to 1.70%		20,303		9.37 to 9.11		185		3.23%		3.27% to 3.01%
2022		1.45% to 1.45%		7,639		9.08 to 9.08		69		1.23%		(0.09)% to (0.09)%
2021		1.45% to 1.70%		16,540		9.09 to 8.87		149		0.00%		(1.44)% to (1.69)%
Janus Aspen Series
Janus Henderson Forty Portfolio — Service Shares
2025		1.45% to 1.45%		239		67.10 to 67.10		16		0.26%		16.15% to 16.15%
2024		1.45% to 1.45%		239		57.77 to 57.77		14		0.01%		26.27% to 26.27%
2023		1.45% to 1.45%		239		45.75 to 45.75		11		0.12%		37.64% to 37.64%
2022		1.45% to 1.45%		282		33.24 to 33.24		9		0.05%		(34.69)% to (34.69)%
2021		1.45% to 1.45%		369		50.90 to 50.90		19		0.55%		20.82% to 20.82%
Lincoln Variable Insurance Products Trust
LVIP American Century Inflation Protection Fund — Service Class
2025		1.70% to 1.70%		1,509		11.37 to 11.37		17		7.35%		4.52% to 4.52%
2024		1.70% to 1.70%		1,509		10.88 to 10.88		16		3.74%		(0.19)% to (0.19)%
2023		1.70% to 1.70%		1,509		10.90 to 10.90		16		3.33%		1.65% to 1.65%
2022		1.45% to 1.70%		1,896		11.08 to 10.72		20		5.02%		(14.34)% to (14.55)%
2021		1.45% to 1.70%		1,898		12.94 to 12.55		24		3.14%		4.73% to 4.46%

F-29

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025


	Expense as a % of Average Net Assets (1)		Units		Unit Value		Net Assets 000s		Investment Income Ratio (2)		Total Return (3)
PIMCO Variable Insurance Trust
High Yield Portfolio — Administrative Class Shares
2025		1.70% to 1.70%		1,397		18.54 to 18.54		26		6.27%		7.10% to 7.10%
2024		1.70% to 1.70%		1,397		17.31 to 17.31		24		5.83%		5.06% to 5.06%
2023		1.70% to 1.70%		1,397		16.48 to 16.48		23		5.66%		10.32% to 10.32%
2022		1.70% to 1.70%		1,397		14.94 to 14.94		21		5.05%		(11.80)% to (11.80)%
2021		1.45% to 1.70%		2,196		17.46 to 16.94		38		4.44%		2.13% to 1.87%
Long-Term U.S. Government Portfolio — Administrative Class Shares
2025		1.70% to 1.70%		1,433		11.89 to 11.89		17		3.27%		4.48% to 4.48%
2024		1.70% to 1.70%		1,433		11.38 to 11.38		16		2.73%		(7.62)% to (7.62)%
2023		1.70% to 1.70%		1,433		12.32 to 12.32		18		2.38%		2.22% to 2.22%
2022		1.70% to 1.70%		1,433		12.05 to 12.05		17		2.04%		(30.08)% to (30.08)%
2021		1.70% to 1.70%		1,433		17.23 to 17.23		25		1.56%		(6.40)% to (6.40)%
Low Duration Portfolio — Administrative Class Shares
2025		1.15% to 1.95%		—		11.20 to 9.84		—		0.00%		4.31% to 3.47%
2024		1.15% to 1.95%		—		10.73 to 9.51		—		0.00%		3.29% to 2.45%
2023		1.15% to 1.95%		—		10.39 to 9.28		—		0.00%		3.77% to 2.93%
2022		1.15% to 1.95%		—		10.02 to 9.02		—		0.00%		(6.82)% to (7.57)%
2021		1.15% to 1.95%		—		10.75 to 9.76		—		0.00%		(2.07)% to (2.86)%
Total Return Portfolio — Administrative Class Shares
2025		1.15% to 1.95%		—		13.07 to 11.48		—		0.00%		7.64% to 6.77%
2024		1.15% to 1.95%		—		12.14 to 10.76		—		0.00%		1.35% to 0.52%
2023		1.15% to 1.95%		—		11.98 to 10.70		—		0.00%		4.72% to 3.87%
2022		1.15% to 1.95%		—		11.44 to 10.30		—		0.17%		(15.28)% to (15.97)%
2021		1.45% to 1.45%		1,621		13.03 to 13.03		21		1.82%		(2.70)% to (2.70)%
State Street Variable Insurance Series Funds, Inc.
Real Estate Securities V.I.S. Fund — Class 1 Shares
2025		1.15% to 1.95%		—		33.38 to 29.32		—		0.00%		0.79% to (0.03)%
2024		1.15% to 1.95%		—		33.12 to 29.33		—		0.00%		9.18% to 8.30%
2023		1.15% to 1.95%		—		30.33 to 27.08		—		0.00%		12.20% to 11.29%
2022		1.15% to 1.95%		—		27.03 to 24.34		—		0.00%		(25.79)% to (26.39)%
2021		1.15% to 1.95%		—		36.43 to 33.06		—		0.00%		40.18% to 39.04%
Total Return V.I.S. Fund — Class 3 Shares
2025		1.45% to 1.90%		193,738		21.37 to 19.87		3,992		2.17%		13.81% to 13.29%
2024		1.45% to 1.90%		217,840		18.78 to 17.54		3,955		4.07%		9.44% to 8.93%
2023		1.45% to 1.90%		265,581		17.16 to 16.10		4,411		1.90%		13.54% to 13.02%
2022		1.45% to 1.90%		325,093		15.11 to 14.24		4,775		0.37%		(17.92)% to (18.30)%
2021		1.15% to 1.90%		406,479		19.09 to 17.43		7,315		1.76%		11.90% to 11.05%

F-30

GENWORTH LIFE OF NEW YORK VA SEPARATE ACCOUNT 3

Notes to Financial Statements — Continued

December 31, 2025

Expense as a
% of Average
Net Assets (1)

Units

Unit Value

Net
Assets
000s

Investment
Income
Ratio (2)

Total Return (3)

The Prudential Series Fund

PSF PGIM Jennison Blend Portfolio — Class II Shares

2025 (4)

1.45% to 1.45%

12.87 to 12.87

—

0.00%

28.67% to 28.67%

(1)

Expenses as a percentage of average net assets represent the annualized asset-based contract expenses of the Separate Account, consisting of mortality and expense risk charges, administrative expenses, and other rider charges for each period indicated. The ratios include only those expenses that result in a direct reduction to unit values. Charges made directly to the contract owner through the redemption of units and expenses of the underlying Portfolios are excluded.

(2)	The investment income ratio represents the ordinary dividends received by the subaccount from the Portfolio divided by average net assets.

(3)

The total return represents a range of maximum and minimum annual total returns for the year indicated and includes deductions for expenses assessed through the daily unit value calculation. The total return does not include any expenses assessed through the redemption of units; inclusion of these expenses in the calculation would result in a reduction in the total return presented. Standardized total returns shown separately in a prospectus or marketing material for a product supported by the Separate Account include the maximum contract charges that may be assessed to any contract through both the daily unit value calculation and the redemption of units. Accordingly, these standardized total returns will generally reflect a lower return than the total return.

(4)	The ratios of expenses and net investment income to average net assets are annualized for the period from April 11, 2025, to December 31, 2025.

F-31

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	Page
Report of Independent Registered Public Accounting Firm		F-1

Statements of Assets and Liabilities		F-4

Statements of Operations		F-8

Statements of Changes in Net Assets		F-12

Notes to Financial Statements		F-20