Side-by-side · Q2 2026 data
Finger Lakes Federal Credit Union vs ESL Federal Credit Union
Credit union
Finger Lakes Federal Credit Union
Geneva, New York · $100 million – $1 billion
Metric by metric
| Measure | Finger Lakes Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 90 |
| Capital cushion | 100 | 100 |
| Loan quality | 97 (stronger) | 70 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 86 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 99th | 92nd |
| Total assets | $259.5M | $10.8B |
| Deposits / shares | $219.2M | $6.2B |
| Capital ratio | 15.05% | 16.40% (stronger) |
| Problem loans | 0.10% (stronger) | 0.90% |
| Net charge-offs | 0.12% (stronger) | 0.83% |
| Return on assets | 1.76% | 2.26% (stronger) |
| Loans ÷ deposits | 72.0% (stronger) | 74.2% |
| Uninsured deposits | 4.0% (stronger) | 10.2% |
| Offices | 3 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.3% | 19.4% |
Finger Lakes Federal Credit Union has the higher TellerScore (96 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Finger Lakes Federal Credit Union leads on 5 and ESL Federal Credit Union on 2. 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.