Side-by-side · Q2 2026 data
Ukrainian Federal Credit Union vs ESL Federal Credit Union
Credit union
Ukrainian Federal Credit Union
Rochester, New York · $100 million – $1 billion
Metric by metric
| Measure | Ukrainian Federal Credit Union | ESL Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 90 (stronger) |
| Capital cushion | 32 | 100 (stronger) |
| Loan quality | 63 | 70 (stronger) |
| Earnings | 49 | 100 (stronger) |
| Funding & liquidity | 74 | 86 (stronger) |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 10th | 92nd |
| Total assets | $426.9M | $10.8B |
| Deposits / shares | $389.5M | $6.2B |
| Capital ratio | 8.16% | 16.40% (stronger) |
| Problem loans | 1.12% | 0.90% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.83% |
| Return on assets | 0.73% | 2.26% (stronger) |
| Loans ÷ deposits | 86.5% | 74.2% (stronger) |
| Uninsured deposits | 13.1% | 10.2% (stronger) |
| Offices | 10 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | 19.4% |
ESL Federal Credit Union has the higher TellerScore (90 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Ukrainian Federal Credit Union leads on 1 and ESL Federal Credit Union on 6. 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.