TellerScore

Headquartered in Rochester, New York, ESL Federal Credit Union is a federal credit union with $10.8B in total assets and $6.2B in member shares and deposits as of Q2 2026. It operates 22 offices. Its charter dates back to 1995.

Based on its Q2 2026 filing, ESL Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 92% of 25 credit unions with over $10 billion. Among 268 credit unions headquartered in New York, it ranks 23rd. Its strongest component is capital cushion (100/100; 16.40%), and its lowest is loan quality (70/100; 0.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.40%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.90%
Earnings100/100
Return on assets (annualized): 2.26%
Funding & liquidity86/100
Loans ÷ shares: 74.2% · 10.2% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.60%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (84 → 90), mostly because the earnings component improved by 33 points.

TellerScore
768390Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202481
Q4 202476
Q1 202579
Q2 202584
Q3 202585
Q4 202581
Q1 202686
Q2 202690
Net worth ratio
7.00%11.88%16.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.65%
Q3 202416.49%
Q4 202416.29%
Q1 202516.47%
Q2 202516.69%
Q3 202516.76%
Q4 202516.68%
Q1 202615.85%
Q2 202616.40%
Delinquent loans (60+ days)
0.71%0.87%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.88%
Q4 20241.02%
Q1 20250.73%
Q2 20250.89%
Q3 20250.95%
Q4 20251.02%
Q1 20260.81%
Q2 20260.90%
Return on assets
0.32%1.29%2.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.61%
Q3 20240.86%
Q4 20240.32%
Q1 20250.40%
Q2 20251.18%
Q3 20251.46%
Q4 20251.01%
Q1 20261.36%
Q2 20262.26%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$10.8B16.40%0.90%2.26%74.2%
Q1 202686$10.6B15.85%0.81%1.36%72.9%
Q4 202581$9.9B16.68%1.02%1.01%74.8%
Q3 202585$9.9B16.76%0.95%1.46%75.0%
Q2 202584$9.6B16.69%0.89%1.18%72.3%
Q1 202579$9.5B16.47%0.73%0.40%71.9%
Q4 202476$9.5B16.29%1.02%0.32%73.2%
Q3 202481$9.6B16.49%0.88%0.86%73.5%
Q2 202481$9.3B16.65%0.71%0.61%70.1%

25 peers · Over $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.40%
96th
Problem loans0.90%
58th
Net charge-offs0.83%
38th
Return on assets2.26%
100th
Loans to deposits74.2%
83rd
Uninsured deposits10.2%
63rd
Loan-loss reserves0.00%
50th
Texas ratio2.6%
79th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
United Nations Federal Credit UnionCredit union Long Island CIT, NY76 out of 100, Strong$10.7B9.8%0.28%vs
Fourleaf Federal Credit UnionCredit union Bethpage, NY44 out of 100, Below average$14.4B9.1%2.23%vs

Deposit insurance

Is my money safe at ESL Federal Credit Union?

Yes. ESL Federal Credit Union is a federally insured credit union (NCUA charter #24563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.2% of shares and deposits ($639.2M) are above the $250,000 NCUA insurance limit, below the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 16.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

22 locations

Branches

ESL Federal Credit Union lists 22 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, ESL Federal Credit Union reported 7,470 home-loan applications under HMDA (LEI 549300KUYF5QOROM7N37): 5,532 originated ($690,660,000 total), 1,391 denied, and 288 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.4%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
ESL Federal Credit Union
Type
Federal credit union
NCUA charter #
24563
RSSD ID
243179
Primary regulator
NCUA
Established
1995
Headquarters
225 Chestnut St, Rochester, NY 14604
Employees
1,045

Quick answers

ESL Federal Credit Union: common questions

Is ESL Federal Credit Union NCUA insured?

Yes. ESL Federal Credit Union is a federally insured credit union (NCUA charter #24563). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is ESL Federal Credit Union's TellerScore?

90 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does ESL Federal Credit Union have?

22 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Finger Lakes Federal Credit UnionCredit union Geneva, NY96 out of 100, Very strong$259.5M15.1%0.10%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Westside Community Federal Credit UnionCredit union Churchville, NY84 out of 100, Strong$25.7M11.0%0.00%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Genesee Co-Op Federal Credit UnionCredit union Rochester, NY78 out of 100, Strong$47.5M23.4%1.55%vs
Pittsford Federal Credit UnionCredit union Pittsford, NY74 out of 100, Strong$542.3M11.9%0.55%vs