Credit union
ESL Federal Credit Union
Rochester, New York, Monroe County, NY
$10.8B in total assets and 485,535 members, the 21st largest of 4,298 US credit unions and 2nd of 268 headquartered in New York.
- NCUA charter
- 24563
- Charter
- Federal
- Chartered
- 1996
- NCUA insured since
- 1996
- Field of membership
- Multiple common bond - primarily chemical
- Low-income designation
- Yes
- Website
- https://www.esl.org/
At a glance
Compared with 23 US federally insured credit unions with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $10.8B | 17% | $19.4B | |
| Loans | $4.6B | 2% | $13.8B | |
| Deposits (shares) | $6.2B | 2% | $15.6B | |
| Members | 485,535 | 22% | 958,216 | |
| Return on assets | 2.36% | 98% | 0.89% | |
| Net interest income to assets | 3.21% | 52% | 3.18% | |
| Efficiency ratio | 49.8% | 13% | 62.6% | |
| Net worth ratio | 16.40% | 96% | 10.12% | |
| Loans to shares | 74% | 17% | 91% | |
| Cost of deposits | 1.14% | 4% | 2.24% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 6.2% a year over 10 years and 4.9% a year over the last 5, without mergers. Membership grew 4.2% a year over 5 years, to 485,535.
Where they operate
33 branches in 8 counties.
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Monroe County, NY | 19 | 9.1% | 2 of 37 |
| Ontario County, NY | 6 | 15.0% | 2 of 16 |
| Cayuga County, NY | 2 | 7.7% | 4 of 15 |
| Seneca County, NY | 2 | 16.7% | 1 of 9 |
| Genesee County, NY | 1 | 6.2% | 5 of 10 |
| Livingston County, NY | 1 | 5.6% | 5 of 7 |
| Orleans County, NY | 1 | 10.0% | 3 of 7 |
| Wayne County, NY | 1 | 5.6% | 4 of 9 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 20 | |
| 2017 | 20 | 0 |
| 2018 | 20 | 0 |
| 2019 | 21 | +1 |
| 2020 | 21 | 0 |
| 2021 | 22 | +1 |
| 2022 | 22 | 0 |
| 2023 | 24 | +2 |
| 2024 | 25 | +1 |
| 2025 | 33 | +8 |
| Jun 2026 | 33 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 0.90% | 0.92% |
| Net worth ratio | 16.40% | 10.12% |
| Loans to shares | 74% | 91% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in New York
Most branches in Monroe County, NY
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.