Side-by-side · Q2 2026 data
Genesee Co-Op Federal Credit Union vs ESL Federal Credit Union
Credit union
Genesee Co-Op Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Genesee Co-Op Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 48 | 70 (stronger) |
| Earnings | 79 | 100 (stronger) |
| Funding & liquidity | 72 | 86 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 59th | 92nd |
| Total assets | $47.5M | $10.8B |
| Deposits / shares | $31.9M | $6.2B |
| Capital ratio | 23.39% (stronger) | 16.40% |
| Problem loans | 1.55% | 0.90% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.83% |
| Return on assets | 1.48% | 2.26% (stronger) |
| Loans ÷ deposits | 87.9% | 74.2% (stronger) |
| Uninsured deposits | 10.7% | 10.2% (stronger) |
| 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 78). On the 7 directional measures above (where higher or lower is clearly better), Genesee Co-Op Federal Credit Union leads on 2 and ESL Federal Credit Union on 5. 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.