Side-by-side · Q2 2026 data
Spencerport Federal Credit Union vs ESL Federal Credit Union
Credit union
Spencerport Federal Credit Union
Spencerport, New York · Under $100 million in assets
Metric by metric
| Measure | Spencerport Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 90 (stronger) |
| Capital cushion | 43 | 100 (stronger) |
| Loan quality | 84 (stronger) | 70 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 40th | 92nd |
| Total assets | $43.1M | $10.8B |
| Deposits / shares | $39.0M | $6.2B |
| Capital ratio | 9.27% | 16.40% (stronger) |
| Problem loans | 0.49% (stronger) | 0.90% |
| Net charge-offs | 0.25% (stronger) | 0.83% |
| Return on assets | 0.99% | 2.26% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 74.2% |
| Uninsured deposits | 0.4% (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 70). On the 7 directional measures above (where higher or lower is clearly better), Spencerport 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.