ESL Federal Credit Union
Total assets
$10.64B
▲ +12.3% YoY
Shares & deposits
$6.21B
▲ +6.5% YoY
Loans
$4.53B
▲ +8.0% YoY
Members
485,309
▲ +6.1% YoY
ROA (annualized)
1.36%
peers 0.77%
ROE (annualized)
8.58%
peers 7.68%
Peer comparison 24 credit unions with 10B+ in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +7.0% | +5.3 pts |
| Share growth (YoY) | +6.5% | +6.8% | -0.3 pts |
| Loan growth (YoY) | +8.0% | +6.8% | +1.2 pts |
| ROA | 1.36% | 0.77% | +0.6 pts |
| ROE | 8.6% | 7.7% | +0.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q1 2026
Profile
- Established
- 1995
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 225 Chestnut St, Rochester, NY, 14604
- NCUA charter #
- 24563
- RSSD ID
- 243179
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $10.64B | $6.21B | $4.53B | $1.69B | $36.2M | 1.36% | 2.99% | 0.81% | 485,309 |
| Q4 2025 | $9.89B | $5.79B | $4.33B | $1.65B | $99.6M | 1.01% | 2.62% | 1.02% | 463,379 |
| Q3 2025 | $9.90B | $5.73B | $4.30B | $1.66B | $108.6M | 1.46% | 2.81% | 0.95% | 462,162 |
| Q2 2025 | $9.63B | $5.83B | $4.22B | $1.61B | $57.0M | 1.18% | 2.80% | 0.89% | 459,155 |
| Q1 2025 | $9.47B | $5.83B | $4.19B | $1.56B | $9.4M | 0.40% | 2.74% | 0.73% | 457,370 |
| Q4 2024 | $9.51B | $5.74B | $4.20B | $1.55B | $30.4M | 0.32% | 2.22% | 1.02% | 453,218 |
| Q3 2024 | $9.59B | $5.68B | $4.18B | $1.58B | $61.9M | 0.86% | 2.44% | 0.88% | 450,642 |
| Q2 2024 | $9.29B | $5.78B | $4.05B | $1.55B | $28.2M | 0.61% | 2.43% | 0.71% | 444,681 |
Loan mix (Q1 2026): real estate $1.58B · commercial $980.3M · consumer $1.93B · securities $5.49B
Ratio pack Q1 2026 · peer medians from 24 institutions
Profitability
| Ratio | ESL Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.77% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 7.7% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.08% | 48th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 62.8% | 35th | |
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
| Ratio | ESL Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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
| Ratio | ESL Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | ESL Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
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
| Ratio | ESL Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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