What is ESL's financial health grade?

ESL has a TFS Financial Health Grade of A- (score: 86.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does ESL have?

ESL has 34 branch locations across the United States.

Yes, ESL is insured by the NCUA (Charter #24563).

What are the total assets of ESL?

ESL has total assets of $10.6B as reported in its most recent filing.

ESL: TFS Grade & Financial Health

Credit UnionRochester, New York

Compare ESLCD withdrawal tools

Total Assets

$10.6B

Total Deposits

$6.2B

Branches

Established

1995

ESL is a credit union headquartered in Rochester, New York, established in 1995. It holds $10.6B in total assets across 34 branch locations. In our editorial opinion, based on public FDIC/NCUA data, ESL earns a TFS Financial Health Grade of A- (86.1/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

A-

86.1 / 100

Excellent financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Net Worth Ratio

15.85%(7%)

60+ Day Delinquency Ratio

0.81%

Profitability

Return on Assets (ROA)

1.36%(1%)

Return on Equity (ROE)

8.58%(10%)

Net Interest Margin—

Efficiency Ratio—

Lending & Liquidity

Total Loans

$4.5B

Loan-to-Deposit Ratio

72.89%

Net Charge-Off Ratio

1.00%

Growth

Asset Growth (YoY)—

Other credit unions in New York

Genesee Regional Bank

Bank

Rochester, NY

$1.3B

B+

ADVANTAGE

Rochester, NY

$481.7M

ROCHESTER & MONROE CO EMP

Rochester, NY

$44.6M

GATES CHILI

Branch	Address	City	State	Type
ESL FCUHQ	225 Chestnut St	Rochester	NY	Full Service
Auburn	621 N Seward Ave	Auburn	NY	Full Service
Batavia	4214 Veterans Memorial Dr	Batavia	NY	Full Service
Brockport	6670 4th Section Rd	Brockport	NY	Full Service
Canandaigua	4175 Recreation Dr	Canandaigua	NY	Full Service
Fairport	1271 Fairport Rd	Fairport	NY	Full Service
Farmington	6120 State Route 96	Farmington	NY	Full Service
Geneseo	22 Ryan Dr	Geneseo	NY	Full Service
Geneva	342 Hamilton St	Geneva	NY	Full Service
Medina	11182 Maple Ridge Rd	Medina	NY	Full Service
Newark	140 S Main St	Newark	NY	Full Service
Penfield	2059 Fairport Nine Mile Point Rd	Penfield	NY	Full Service
Phelps	89 Main St	Phelps	NY	Full Service
Pittsford	11 State St	Pittsford	NY	Full Service
Brighton Henrietta	100 Canal View Blvd	Rochester	NY	Full Service
Bulls Head	855 W Main St	Rochester	NY	Full Service
Chestnut	225 Chestnut St	Rochester	NY	Full Service
Chili	3169 Chili Ave	Rochester	NY	Full Service
Culver Ridge	2255 E Ridge Rd	Rochester	NY	Full Service
Goodman	786 N Goodman St	Rochester	NY	Full Service
Hudson	2256 Hudson Ave	Rochester	NY	Full Service
Irondequoit	518 E Ridge Rd	Rochester	NY	Full Service
Lake Ave	250 Lake Ave	Rochester	NY	Full Service
Long Pond	745 Long Pond Rd	Rochester	NY	Full Service
Merchants	215 Merchants Rd	Rochester	NY	Full Service
Mount Read	3508 Mount Read Blvd	Rochester	NY	Full Service
Ridgeway	2480 Ridgeway Ave	Rochester	NY	Full Service
Twelve Corners	1881 Monroe Ave	Rochester	NY	Full Service
Seneca Falls	19 Cayuga St	Seneca Falls	NY	Full Service
Union Springs	152 Cayuga St	Union Springs	NY	Full Service
Cobblestone Court	200 Cobblestone Court Dr	Victor	NY	Full Service
Victor	32 School St	Victor	NY	Full Service
Waterloo	1865 North Rd	Waterloo	NY	Full Service
Webster	1055 Ridge Rd	Webster	NY	Full Service

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

No institution-level regulatory actions are currently published in TFS's exact-ID registry. Coverage is curated and this does not prove that no action exists.

Institution Details

Institution TypeCredit Union

NCUA Charter #24563

FDIC/NCUA InsuredYes

Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.

Same-period peer analysis · 2026-Q1

ESL compared with similar credit unions

Benchmarked against 60 active, federally insured credit unions reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.

Choose another

TFS health score

86.1

better than peers

87th percentileMedian 70.6

Net worth ratio

15.85%

better than peers

97th percentileMedian 10.80%

Return on assets

1.36%

better than peers