Side-by-side · Q2 2026 data
Greece Community Federal Credit Union vs ESL Federal Credit Union
Credit union
Greece Community Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | Greece Community Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 73 | 100 (stronger) |
| Loan quality | 98 (stronger) | 70 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 72nd | 92nd |
| Total assets | $13.0M | $10.8B |
| Deposits / shares | $11.4M | $6.2B |
| Capital ratio | 12.28% | 16.40% (stronger) |
| Problem loans | 0.05% (stronger) | 0.90% |
| Net charge-offs | 1.24% | 0.83% (stronger) |
| Return on assets | 0.90% | 2.26% (stronger) |
| Loans ÷ deposits | 57.9% (stronger) | 74.2% |
| Uninsured deposits | 0.0% (stronger) | 10.2% |
| Offices | 2 | 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 83). On the 7 directional measures above (where higher or lower is clearly better), Greece Community Federal Credit Union leads on 3 and ESL Federal Credit Union on 4. 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.