Side-by-side · Q2 2026 data
Reliant Community Federal Credit Union vs ESL Federal Credit Union
Credit union
Reliant Community Federal Credit Union
Sodus, New York · $100 million – $1 billion
Metric by metric
| Measure | Reliant Community Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 90 (stronger) |
| Capital cushion | 46 | 100 (stronger) |
| Loan quality | 88 (stronger) | 70 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 84 | 86 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 48th | 92nd |
| Total assets | $788.4M | $10.8B |
| Deposits / shares | $697.5M | $6.2B |
| Capital ratio | 9.57% | 16.40% (stronger) |
| Problem loans | 0.36% (stronger) | 0.90% |
| Net charge-offs | 0.23% (stronger) | 0.83% |
| Return on assets | 0.90% | 2.26% (stronger) |
| Loans ÷ deposits | 76.5% | 74.2% (stronger) |
| Uninsured deposits | 5.6% (stronger) | 10.2% |
| Offices | 9 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Reliant 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.
Where both have branches
- Rochester, NY
- Brockport, NY
- Canandaigua, NY
- Newark, NY
- Webster, NY