ESL Federal Credit Union Rochester, New York
ESL Federal Credit Union is a federal credit union headquartered in Rochester, NY, established in 1979 (NCUA charter 24563), and it is regulated and insured by the NCUA. At Q2 2026 it reported 485,535 members and total assets of $10.80B (up 12.2% from Q2 2025), the 2nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 16.40% at Q2 2026, in the well capitalized band.
Also written as ESL FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24563
- Headquarters
- Rochester, NY
- Established
- 1979
- Total assets, Q2 2026
- $10.80B
- Assets vs Q2 2025
- +12.2%
- Members, Q2 2026
- 485,535
- Net worth ratio, Q2 2026
- 16.40%
- Latest call report
- Q2 2026, NCUA 5300 · ESL Federal Credit Union call report
- Asset rank in state
- 2nd of 267 in New York
- Routing number
- 222371863
- Branches
- 34
It has 26,380 more members than on June 30, 2025 (+5.7%). Its net worth ratio was down 0.29 percentage points from 16.69% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.62B of $4.64B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is below the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026. Its 16.40% net worth ratio is above that band's 10.42% median.
Credit unions similar in size in New York
Frequently asked about ESL Federal Credit Union
How big is ESL Federal Credit Union?
At Q2 2026 it reported total assets of $10.80B and 485,535 members.
Where is ESL Federal Credit Union headquartered?
It is headquartered in Rochester, NY, United States.
When was ESL Federal Credit Union founded?
It was established in 1979, per NCUA records.
Is ESL Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24563): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates ESL Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is ESL Federal Credit Union well capitalized?
Its net worth ratio was 16.40% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is ESL Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.90% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is ESL Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.24% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rochester, NY 14604
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 24563
- RSSD ID
- 243179
- Members
- 485,535
- Potential members
- 1,609,836
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 24 credit unions with $10B to $100B in assets, as of Q2 2026. It is in the top quartile on 5 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.55% to 11.84% | 16.40% | 10.42% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.31% | 3.18% | 0.97% | over 90th top |
| Return on equity Middle half of peers: 6.05% to 14.24% | 19.41% | 9.50% | over 90th top |
| Net interest margin Middle half of peers: 2.90% to 3.44% | 3.20% | 3.17% | 53rd above |
| Efficiency ratio Middle half of peers: 52.69% to 70.10% | 43.11% | 61.32% | 88th top |
| Cost of funds Middle half of peers: 1.69% to 2.02% | 1.67% | 1.88% | 78th top |
| Delinquency ratio Middle half of peers: 0.64% to 1.27% | 0.90% | 0.91% | 51st above |
| Yield on assets Middle half of peers: 4.90% to 5.36% | 4.87% | 5.07% | 22nd position only |
| Loan-to-share ratio Middle half of peers: 81.23% to 93.33% | 74.24% | 89.87% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$10.80B total assets against $9.63B; $6.25B total shares and deposits against $5.83B; $4.64B total loans against $4.22B.
$1.77B net worth against $1.61B.
16.40% net worth ratio against 16.69%.
74.24% loan-to-share ratio against 72.33%.
0.90% delinquency ratio against 0.89%.
3.18% return on assets against 1.98%; 19.41% return on equity against 11.83%.
3.20% net interest margin against 2.91%.
485,535 members against 459,155.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.40% | 3.18% | 0.90% | 74.24% |
| March 31, 2026 | 15.85% | 1.36% | 0.81% | 72.89% |
| December 31, 2025 | 16.68% | -0.36% | 1.02% | 74.82% |
| September 30, 2025 | 16.76% | 2.08% | 0.95% | 75.03% |
| June 30, 2025 | 16.69% | 1.98% | 0.89% | 72.33% |
| March 31, 2025 | 16.47% | 0.40% | 0.73% | 71.88% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.