Compare
Up to 5 institutions side by side, or one against its peer median.
| ESL Federal Credit Union | Peer median · credit unions 10B+ | |
|---|---|---|
| Profile | ||
| Type | Credit Union · FCU | |
| Established | 1995 | |
| Latest report | Q1 2026 | |
| Size | ||
| Total assets | $10.64B | |
| Shares & deposits | $6.21B | |
| Loans | $4.53B | |
| Members | 485,309 | |
| Growth (year over year) | ||
| Assets | +12.3% | — |
| Shares & deposits | +6.5% | — |
| Loans | +8.0% | — |
| Members | +6.1% | — |
| Profitability | ||
Return on assets Annualized net income ÷ assets | 1.36% | 0.77% |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 7.7% |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.08% |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.8% |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Balance sheet | ||
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% |
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% |
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% |
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Capital | ||
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Credit quality | ||
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% |
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% |
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Franchise | ||
Loans per member Member borrowing depth | 00.0% | 00.0% |
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios in the comparison.
See Pro plan →Cost of funds, capital, charge-offs, CRE concentration and more are part of CharterBench Pro.
Growth and ratio rows highlight the strongest value in green. Ratios use each institution’s latest call report; peer median is the first institution’s asset band and charter type.