CU Explorer
Credit unions · New York · Q2 2026

ESL FCU

Credit union in Rochester, NY · NCUA charter #24563 · Federal charter

Legal name: ESL

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$10.80B
Total loans & leases$4.64B
Total shares & deposits$6.25B
Members485,500
Net worth$1.77B
Net worth / assets16.40%
Loans / assets42.95%
Return on assets (annualized)2.26%
Loan growth (YoY)10.00%
Member growth (YoY)5.75%
Delinquency, all loans (60+ days)0.90%
CharterFederal charter
Asset band> $5B
NCUA peer groupover $500M
Sponsor typeManufacturing

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech unsecured lending, online membership application, online loan application, online account opening, online loan payments, bill payment, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

Open ESL FCU in the explorer →Compare with peersFinancial statements

In the explorer: ten-year history for every metric, balance sheet and income statement drill-downs, percentile rankings against asset-size peers, leaders and board, branches, and growth opportunities.

Email this page

Other credit unions in New York

Elektra FCUNew YorkEmpire One FCUCheektowagaEmpirt 207 FCUNew YorkEmpower FCUSyracuseEncompass Niagara FCUNiagara FallsErie County Employees FCUBuffaloEver $ Green FCURochesterEverest FCUJackson HeightsFamily First of NY FCURochesterFar Rockaway Postal FCUFar RockawayFasny FCUAlbanyFidelis FCUNew York

All credit unions in New York →