Side-by-side · Q2 2026 data
Gates Chili Federal Credit Union vs ESL Federal Credit Union
Credit union
Gates Chili Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Gates Chili Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 90 (stronger) |
| Capital cushion | 27 | 100 (stronger) |
| Loan quality | 92 (stronger) | 70 |
| Earnings | 41 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 28th | 92nd |
| Total assets | $30.4M | $10.8B |
| Deposits / shares | $28.2M | $6.2B |
| Capital ratio | 7.68% | 16.40% (stronger) |
| Problem loans | 0.24% (stronger) | 0.90% |
| Net charge-offs | 0.05% (stronger) | 0.83% |
| Return on assets | 0.51% | 2.26% (stronger) |
| Loans ÷ deposits | 49.2% (stronger) | 74.2% |
| Uninsured deposits | 4.8% (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 64). On the 7 directional measures above (where higher or lower is clearly better), Gates Chili Federal Credit Union leads on 4 and ESL Federal Credit Union on 3. 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.