Comparison · Q2 2026 call reports
ESL Federal Credit Union vs Teachers Federal Credit Union
ESL Federal Credit Union is the larger, with $10.8 billion in assets and 485,535 members, against $9.92 billion and 486,565 for Teachers Federal Credit Union. ESL Federal Credit Union has the higher net worth ratio, 16.40% against 11.03%; Teachers Federal Credit Union reported the lower new auto loan rate, 5.04% against 6.54%; and Teachers Federal Credit Union paid members more on deposits, 2.00% of balances against 1.14%. Figures are from the call reports each filed with NCUA for the quarter ended June 30, 2026.
Charter 24563 · Rochester, NY
ESL Federal Credit Union
Federal charter, opened 1995. NCUA peer group: $500 million and up. 34 offices in NCUA's branch file.
Membership is limited to its field of membership; check its eligibility rules on its own website. It holds NCUA's low-income designation.
Charter 8116 · Smithtown, NY
Teachers Federal Credit Union
Federal charter, opened 1952. NCUA peer group: $500 million and up. 34 offices in NCUA's branch file, in 2 states.
Membership is limited to its field of membership; check its eligibility rules on its own website.
| Figure | ESL Federal Credit Union | Teachers Federal Credit Union |
|---|---|---|
| Size | ||
| Total assets | $10.8B97 | $9.9B97 |
| Members | 485,53595 | 486,56596 |
| Loans outstanding | $4.6B92 | $5.8B94 |
| Shares and deposits | $6.2B93 | $8.2B96 |
| Net worth | $1.8B98 | $1.1B96 |
| Branches | 3389 | 3491 |
| Employees | 1,04595 | 97494 |
| Growth (12 months) | ||
| Asset growth | +12.23%90 | +0.37%14 |
| Member growth | +5.75%85 | +2.11%53 |
| Loan growth | +10.00%77 | +2.31%31 |
| Deposit growth | +7.17%71 | -0.25%11 |
| Capital and reserves | ||
| Net worth ratio | 16.40%96 | 11.03%55 |
| Loss reserves to loans | 1.71%89 | 1.73%89 |
| Loss reserves to late loans | 1.89x70 | 1.45x52 |
| Earnings | ||
| Return on assets | 2.36%99 | 0.89%57 |
| Net interest margin | 3.21%33 | 3.12%29 |
| Dividends paid on deposits | 1.14%11 | 2.00%73 |
| Cost of funds | 1.70%58 | 1.83%69 |
| Efficiency ratio | 49.85%97 | 61.00%85 |
| Operating expense to assets | 2.69%81 | 2.34%89 |
| Non-interest income to assets | 0.99%42 | 0.64%16 |
| Fee income per member | $3093 | $2893 |
| Credit loss expense to loans | 0.79%27 | 1.04%13 |
| Loan quality | ||
| Loans 60+ days late | 0.90%33 | 1.19%20 |
| Net charge-off rate | 0.86%20 | 1.13%8 |
| Loan rates on the call report | ||
| New auto loan rate | 6.54%15 | 5.04%71 |
| Used auto loan rate | 6.24%45 | 6.87%28 |
| Credit card rate | – | 17.49%9 |
| Personal loan rate | 17.99%6 | 11.59%57 |
| First mortgage rate | 6.37%28 | 5.63%65 |
| Home equity rate | 3.95%99 | 5.49%94 |
| Lending | ||
| Loan-to-share ratio | 74.24%22 | 70.91%17 |
| Auto loans, share of loans | 33.70%65 | 11.09%14 |
| Home loans, share of loans | 34.65%26 | 54.79%70 |
| Credit cards, share of loans | 4.02%73 | 1.97%36 |
| Business loans, share of loans | 22.60%81 | 7.89%36 |
| Auto loans outstanding | $1.6B93 | $646M78 |
| Home loans outstanding | $1.6B87 | $3.2B95 |
| Credit card balances | $186M93 | $115M88 |
| Business loans outstanding | $1.0B96 | $460M86 |
| Private student loans | $865K71 | $54.2M98 |
| Average loan size | $16K12 | $33K81 |
| Deposits | ||
| Certificates, share of deposits | 17.35%10 | 42.47%94 |
| Core deposits, share of deposits | 78.26%90 | 52.02%10 |
| Deposits over $250,000 | 10.23%64 | 9.62%58 |
| Average deposits per member | $13K25 | $17K67 |
| Liquidity | ||
| Investments to assets | 50.27%98 | 31.86%92 |
| Cash to assets | 1.12%1 | 3.62%13 |
| Borrowings to assets | 26.30%100 | 4.73%73 |
| Operations | ||
| Members per employee | 47084 | 50991 |
| Assets per employee | $10.5M91 | $10.4M90 |
| Members per branch | 14,71392 | 14,31191 |
| Field of membership reached | 30.16%88 | 0.14%0 |
Bold marks the more member-friendly figure where one direction is better (higher capital and earnings, lower late loans, fees and loan rates). Small numbers are each credit union's percentile within its own NCUA peer group (100 is best). Loan rates are what each reported on its call report, not offers. Source: NCUA 5300 Call Report quarterly data, Q2 2026. Not affiliated with NCUA or either credit union.
Add more to this comparison ESL Federal Credit Union Teachers Federal Credit Union
Questions people ask
Which is bigger, ESL Federal Credit Union or Teachers Federal Credit Union?
ESL Federal Credit Union, with $10.8 billion in assets and 485,535 members at June 30, 2026, against $9.92 billion and 486,565 for Teachers Federal Credit Union, according to their NCUA call reports.
Which has lower auto loan rates, ESL Federal Credit Union or Teachers Federal Credit Union?
Teachers Federal Credit Union reported the lower new auto loan rate on its Q2 2026 call report: 5.04%, against 6.54% for ESL Federal Credit Union. Used auto: ESL Federal Credit Union 6.24%, Teachers Federal Credit Union 6.87%. These are reported rates, not offers.
Are ESL Federal Credit Union and Teachers Federal Credit Union federally insured?
ESL Federal Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category. Teachers Federal Credit Union is federally insured by NCUA's Share Insurance Fund, up to $250,000 per member per ownership category.