Side-by-side · Q2 2026 data
Family First of NY Federal Credit Union vs ESL Federal Credit Union
Credit union
Family First of NY Federal Credit Union
Rochester, New York · $100 million – $1 billion
Metric by metric
| Measure | Family First of NY Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 80 (stronger) | 70 |
| Earnings | 40 | 100 (stronger) |
| Funding & liquidity | 50 | 86 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 37th | 92nd |
| Total assets | $345.3M | $10.8B |
| Deposits / shares | $258.7M | $6.2B |
| Capital ratio | 11.99% | 16.40% (stronger) |
| Problem loans | 0.59% (stronger) | 0.90% |
| Net charge-offs | 0.17% (stronger) | 0.83% |
| Return on assets | 0.50% | 2.26% (stronger) |
| Loans ÷ deposits | 111.5% | 74.2% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 10.2% |
| Offices | 4 | 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 66). On the 7 directional measures above (where higher or lower is clearly better), Family First of NY Federal Credit Union leads on 3 and ESL Federal Credit Union on 4. 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.