Side-by-side · Q2 2026 data
Ever $ Green Federal Credit Union vs ESL Federal Credit Union
Credit union
Ever $ Green Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Ever $ Green Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 40 | 90 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 16 | 70 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 72 | 95 (stronger) |
| Peer percentile | 3rd | 92nd |
| Total assets | $72.6M | $10.8B |
| Deposits / shares | $66.7M | $6.2B |
| Capital ratio | 9.53% | 16.40% (stronger) |
| Problem loans | 2.51% | 0.90% (stronger) |
| Net charge-offs | 0.96% | 0.83% (stronger) |
| Return on assets | -0.85% | 2.26% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 74.2% |
| Uninsured deposits | 4.3% (stronger) | 10.2% |
| Offices | 1 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Ever $ Green Federal Credit Union leads on 2 and ESL Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.