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Esl
Rochester, NY · NCUA Charter #24563 · Federal charter · Chartered 1995
Total assets
$10.80B
Shares & deposits
$6.25B
Total loans
$4.64B
Members
485,535
Net worth
$1.77B
Branches
34
Rank: #21 of 4,299 U.S. credit unions by assets · #2 of 268 in New York. Assets changed 12.2% and membership 5.7% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 16.40% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.47% |
| Loans to shares & deposits | 74.2% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $9.34B | $5.62B | $0 | $1.46B |
| Jun 2023 | $9.09B | $5.60B | $0 | $1.51B |
| Jun 2024 | $9.29B | $5.78B | $0 | $1.55B |
| Jun 2025 | $9.63B | $5.83B | $0 | $1.61B |
| Jun 2026 | $10.80B | $6.25B | $0 | $1.77B |
Branch footprint
| State | Branches |
|---|---|
| New York | 34 |
Similar-sized credit unions
Greenstate ($10.95B) · Redwood ($10.70B)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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