Side-by-side · Q2 2026 data
Fourleaf Federal Credit Union vs ESL Federal Credit Union
Metric by metric
| Measure | Fourleaf Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 44 | 90 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 26 | 70 (stronger) |
| Earnings | 43 | 100 (stronger) |
| Funding & liquidity | 72 | 86 (stronger) |
| Problem-loan coverage | 58 | 95 (stronger) |
| Peer percentile | 0th | 92nd |
| Total assets | $14.4B | $10.8B |
| Deposits / shares | $13.0B | $6.2B |
| Capital ratio | 9.12% | 16.40% (stronger) |
| Problem loans | 2.23% | 0.90% (stronger) |
| Net charge-offs | 0.56% (stronger) | 0.83% |
| Return on assets | 0.58% | 2.26% (stronger) |
| Loans ÷ deposits | 87.9% | 74.2% (stronger) |
| Uninsured deposits | 13.6% | 10.2% (stronger) |
| Offices | 20 | 22 |
| CFPB complaints (3 yrs) | 505 | — |
| Complaints per $1B deposits | 38.8 | — |
| Mortgage denial rate (HMDA) | — | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Fourleaf Federal Credit Union leads on 1 and ESL Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.