Side-by-side · Q2 2026 data
The Lyons National Bank vs ESL Federal Credit Union
Metric by metric
| Measure | The Lyons National Bank | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 90 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 84 (stronger) | 70 |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 56 | 86 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 30th | 92nd |
| Total assets | $2.1B | $10.8B |
| Deposits / shares | $1.9B | $6.2B |
| Capital ratio | 9.02% | 16.40% (stronger) |
| Problem loans | 0.48% (stronger) | 0.90% |
| Net charge-offs | 0.04% (stronger) | 0.83% |
| Return on assets | 1.11% | 2.26% (stronger) |
| Loans ÷ deposits | 79.8% | 74.2% (stronger) |
| Uninsured deposits | 37.2% | 10.2% (stronger) |
| Offices | 17 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 63). On the 7 directional measures above (where higher or lower is clearly better), The Lyons National Bank 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.
Where both have branches
- Canandaigua, NY
- Newark, NY