Charter 24563 · Rochester, NY
ESL Federal Credit Union
ESL Federal Credit Union is a federally chartered credit union in Rochester, New York, with $10.8 billion in assets and 485,535 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 16.40%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $10.8 billion
- +12.2% in a year
- Members
- 485,535
- +5.7% in a year
- Net worth ratio
- 16.40%
- Peer median 10.79%
- Loans 60+ days late
- 0.90%
- Peer median 0.67%
- Loans outstanding
- $4.64 billion
- +10.0% in a year
- Shares and deposits
- $6.25 billion
- +7.2% in a year
- Branches
- 33
- 1,045 employees
- Opened
- 1995
- Federal charter
How ESL Federal Credit Union compares
NCUA groups credit unions by size; ESL Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 16.40% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.90%, is higher than the group median of 0.67%. Loans grew 10.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 2 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $10.8 billion | 485,535 | $4.64 billion | 16.40% | 0.90% |
| Q1 2026 | $10.6 billion | 485,309 | $4.53 billion | 15.85% | 0.81% |
| Q4 2025 | $9.89 billion | 463,379 | $4.33 billion | 16.68% | 1.02% |
| Q3 2025 | $9.90 billion | 462,162 | $4.30 billion | 16.76% | 0.95% |
| Q2 2025 | $9.63 billion | 459,155 | $4.22 billion | 16.69% | 0.89% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.6 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 34 sites for ESL Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Brighton Henrietta
100 Canal View Blvd, Rochester, NY 14623 - Brockport
6670 4Th Section Rd, Brockport, NY 14420 - Canandaigua
4175 Recreation Dr, Canandaigua, NY 14424 - Chili
3169 Chili Ave, Rochester, NY 14624 - Cobblestone Court
200 Cobblestone Court Dr, Victor, NY 14564 - Irondequoit
518 E Ridge Rd, Rochester, NY 14621 - Culver Ridge
2255 E Ridge Rd, Rochester, NY 14622 - Long Pond
745 Long Pond Rd, Rochester, NY 14612 - Merchants
215 Merchants Rd, Rochester, NY 14609 - Mount Read
3508 Mount Read Blvd, Rochester, NY 14616 - Penfield
2059 Fairport Nine Mile Point Rd, Penfield, NY 14526 - Pittsford
11 State St, Pittsford, NY 14534 - Ridgeway
2480 Ridgeway Ave, Rochester, NY 14626 - Webster
1055 Ridge Rd, Webster, NY 14580 - Lake Ave
250 Lake Ave, Rochester, NY 14608 - ESL FCU (main office)
225 Chestnut St, Rochester, NY 14604 - Newark
140 S Main St, Newark, NY 14513 - Chestnut
225 Chestnut St, Rochester, NY 14604 - Batavia
4214 Veterans Memorial Dr, Batavia, NY 14020 - Geneseo
22 Ryan Dr, Geneseo, NY 14454 - Twelve Corners
1881 Monroe Ave, Rochester, NY 14618 - Fairport
1271 Fairport Rd, Fairport, NY 14450 - Hudson
2256 Hudson Ave, Rochester, NY 14617 - Victor
32 School St, Victor, NY 14564 - Goodman
786 N Goodman St, Rochester, NY 14609 - Bulls Head
855 W Main St, Rochester, NY 14611 - Auburn
621 N Seward Ave, Auburn, NY 13021 - Farmington
6120 State Route 96, Farmington, NY 14425 - Geneva
342 Hamilton St, Geneva, NY 14456 - Medina
11182 Maple Ridge Rd, Medina, NY 14103 - Phelps
89 Main St, Phelps, NY 14532 - Seneca Falls
19 Cayuga St, Seneca Falls, NY 13148 - Union Springs
152 Cayuga St, Union Springs, NY 13160 - Waterloo
1865 North Rd, Waterloo, NY 13165
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology