Side-by-side · Q2 2026 data
St. Pius X Church Federal Credit Union vs ESL Federal Credit Union
Credit union
St. Pius X Church Federal Credit Union
Rochester, New York · Under $100 million in assets
Metric by metric
| Measure | St. Pius X Church Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 45 | 90 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 15 | 70 (stronger) |
| Earnings | 34 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 86 |
| Problem-loan coverage | 67 | 95 (stronger) |
| Peer percentile | 5th | 92nd |
| Total assets | $97.5M | $10.8B |
| Deposits / shares | $87.9M | $6.2B |
| Capital ratio | 9.87% | 16.40% (stronger) |
| Problem loans | 2.54% | 0.90% (stronger) |
| Net charge-offs | 0.46% (stronger) | 0.83% |
| Return on assets | 0.35% | 2.26% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 74.2% |
| Uninsured deposits | 14.8% | 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 45). On the 7 directional measures above (where higher or lower is clearly better), St. Pius X Church 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.