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
- RANK 89/100
- PHOTO 15.8%
- BOOK 1.02%
- CHARTER 0.31%
- NCUSIF $9.89B
- CAMELS 463,379
- HEALTH #1,208/4,374
- NW EASTMAN
- DELQ 24563
Call Report peers
ESL in the assets neighbourhood
ESL's $9.89B assets sit next to EASTMAN ($9.91B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Charter #24563's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ESL's 5300 filing moved
ESL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.5% from $9.89B (2025Q4) to $10.64B (2026Q1).
- Net-worth ratio shifted -0.83 pp (16.68% → 15.85%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
ESL's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($9.89B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ESL financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - ESL's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,208 of 4,374; by total assets it ranks #26 of 4,374 nationally (same basis as /rankings/largest); and #4 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.85% net worth ratio and 1.02% delinquency rate are the key drivers.
How does ESL compare to other credit unions?
PlainCU's health composite puts ESL at 89/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ESL are 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."
What rates does ESL offer compared to banks?
Credit unions like ESL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ESL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.