Federal credit union · Rochester, New York · NCUA charter #24563
ESL
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $9.89B
- Total assets
- 463,379
- Members
- 15.8%
- Net-worth ratio
ESL scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.89B; members 463,379; net-worth ratio 15.85%; health rank #1,208 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,208 of 4,374 health · 2025Q4ESL · health 89/100 · $9.89B · 2025Q4
Call Report peers
ESL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ESL vs every NCUA-scored credit union
ESL sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ESL vs Over $500M peers
- Largest favorable gap: Net Worth Ratio at 15.85% vs peer 11.18% (+4.67 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -9.08 pp (74.82% vs 83.90%).
New York standing for ESL
- Health composite ranks #65 of 272 among scored New York credit unions.
- By total assets, ESL is #4 of 272 in New York.
- Member book place in New York: #5 of 272.
- One place up in New York, Directors Choice (#64) ties at 89/100; one place down, Finger Lakes (#66) ties at 89/100.
How ESL's 5300 filing moved
ESL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.5% from $9.89B (2025Q4) to $10.64B (2026Q1).
- Net-worth ratio shifted -0.83 pp (16.68% → 15.85%).
15.85% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
ESL gives up 11 points in total. Delinquency Rate costs the most, 5.1 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.9 pts
- Return on Assets 12.1 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for ESL
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.85% | +4.67 pp |
| Delinquency Rate | 1.02% | +0.15 pp |
| Return on Assets | 0.31% | -0.20 pp |
| Member Growth | 2.24% | - |
| Loan-to-Share Ratio | 74.82% | -9.08 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ESL filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.64B | - |
| 2025Q4 | $9.89B | 463,379 |
| 2024Q4 | $9.51B | 453,218 |
| 2023Q4 | $9.26B | 429,779 |
Credit Union Details
- Charter Number
- 24563
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Locations (34)
The NCUA branch filing lists 34 physical offices for ESL, spread across 19 cities.
| Office | City |
|---|---|
| ESL FCU (Main Office) | Rochester, NY |
| Auburn | Auburn, NY |
| Batavia | Batavia, NY |
| Brockport | Brockport, NY |
| Canandaigua | Canandaigua, NY |
| Fairport | Fairport, NY |
| Farmington | Farmington, NY |
| Geneseo | Geneseo, NY |
| Geneva | Geneva, NY |
| Medina | Medina, NY |
| Newark | Newark, NY |
| Penfield | Penfield, NY |
| Phelps | Phelps, NY |
| Pittsford | Pittsford, NY |
| Brighton Henrietta | Rochester, NY |
| Chili | Rochester, NY |
| Irondequoit | Rochester, NY |
| Culver Ridge | Rochester, NY |
| Long Pond | Rochester, NY |
| Merchants | Rochester, NY |
| Mount Read | Rochester, NY |
| Ridgeway | Rochester, NY |
| Lake Ave | Rochester, NY |
| Chestnut | Rochester, NY |
| Twelve Corners | Rochester, NY |
| Hudson | Rochester, NY |
| Goodman | Rochester, NY |
| Bulls Head | Rochester, NY |
| Seneca Falls | Seneca Falls, NY |
| Union Springs | Union Springs, NY |
| Cobblestone Court | Victor, NY |
| Victor | Victor, NY |
| Waterloo | Waterloo, NY |
| Webster | Webster, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- ESL ranks #1,208 of 4,374 nationally on financial health and #65 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEACHERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEACHERS
Frequently Asked Questions
Is ESL financially healthy?
ESL has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,208 of 4,374 nationally on health and #65 of 272 in New York. Its net worth ratio is 15.85% and its delinquency rate 1.02%.
How does ESL compare to other credit unions?
ESL scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.85% vs 11.18%). Its widest shortfall is loan-to-share ratio (74.82% vs 83.90%).
How can I join ESL?
ESL operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ESL directly for the exact boundaries and application steps.
Is my money safe at ESL?
ESL is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ESL's net worth ratio of 15.85% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.