Side-by-side · Q2 2026 data
Five Star Bank vs ESL Federal Credit Union
Metric by metric
| Measure | Five Star Bank | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 73 (stronger) | 70 |
| Earnings | 77 | 100 (stronger) |
| Funding & liquidity | 37 | 86 (stronger) |
| Problem-loan coverage | 89 | 95 (stronger) |
| Peer percentile | 40th | 92nd |
| Total assets | $6.3B | $10.8B |
| Deposits / shares | $5.3B | $6.2B |
| Capital ratio | 10.87% | 16.40% (stronger) |
| Problem loans | 0.82% (stronger) | 0.90% |
| Net charge-offs | 0.27% (stronger) | 0.83% |
| Return on assets | 1.42% | 2.26% (stronger) |
| Loans ÷ deposits | 88.7% | 74.2% (stronger) |
| Uninsured deposits | 46.4% | 10.2% (stronger) |
| Offices | 47 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 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), Five Star Bank leads on 2 and ESL Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rochester, NY
- Victor, NY
- Brockport, NY
- Canandaigua, NY