Credit Union Safety Analysis
Is ESL Federal Credit Union Safe? Rochester, New York
Based on its Q2 2026 NCUA 5300 call report, ESL Federal Credit Union has a net worth ratio of 16.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.90%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, ESL Federal Credit Union's net worth ratio is 16.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.40%
- Delinquency ratio (60+ days) (Q2 2026): 0.90%
- Return on assets (Q2 2026): 3.18%
- Loan-to-share ratio (Q2 2026): 74.24%
ESL Federal Credit Union (NCUA charter 24563, established 1979) reported $10.80B in assets and 485,535 members for Q2 2026 from Rochester, New York. It ranks 2 of 267 credit unions in New York by total assets. Total assets grew 12.2% from $9.63B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 15.85% for Q1 2026; 16.69% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.81% for Q1 2026; 0.89% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 1.36% for Q1 2026; 1.98% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 72.89% for Q1 2026; 72.33% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $1.62B
- Used vehicle loans: $1.12B
- Commercial loans: $1.05B
- New vehicle loans: $448.1M
- Other unsecured loans and lines of credit: $189.3M
- Unsecured credit card loans: $186.5M
- Other secured non-real estate loans and lines of credit: $33.4M
- Non-federally guaranteed student loans: $865K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $10.80B | 16.40% | 0.90% | 3.18% | 74.24% |
| March 31, 2026 | $10.64B | 15.85% | 0.81% | 1.36% | 72.89% |
| December 31, 2025 | $9.89B | 16.68% | 1.02% | -0.36% | 74.82% |
| September 30, 2025 | $9.90B | 16.76% | 0.95% | 2.08% | 75.03% |
| June 30, 2025 | $9.63B | 16.69% | 0.89% | 1.98% | 72.33% |
| March 31, 2025 | $9.47B | 16.47% | 0.73% | 0.40% | 71.88% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
ESL Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24563) · FFIEC NIC profile (RSSD 243179)
Frequently asked questions
Is ESL Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, ESL Federal Credit Union's net worth ratio is 16.40%, above the 7% NCUA threshold for well capitalized.
Is ESL Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. ESL Federal Credit Union is a federally insured credit union (NCUA charter 24563): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are ESL Federal Credit Union's key safety ratios?
For Q2 2026, ESL Federal Credit Union reports net worth 16.40%, delinquency 0.90%, ROA 3.18%, loan-to-share 74.24%.
What happens to my money if ESL Federal Credit Union fails?
For Q2 2026, ESL Federal Credit Union held $6.25B in shares and deposits for 485,535 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.