ESL
Federal • Rochester, New York • Est. 1995
Quick Facts
- Charter Number
- #24563
- Type
- Federal
- Established
- 1995
- Headquarters
- Rochester, New York 14604
- Address
- 225 Chestnut St
- Branches
- 34
- ATMs
- 33
- Members
- 463,379
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
463,379 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESL |
|---|---|
| Total Assets | $9.9B |
| Members | 463,379 |
| Loans Outstanding | $4.3B |
| Shares & Deposits | $5.8B |
| Net Worth | $1.6B |
| Net Worth Ratio | 16.68% |
| Loan-to-Share Ratio | 74.8% |
| Delinquency Rate | 1.02% |
| Net Income | +$137,212,387 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
34 locations · 33 ATMs
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
Who Can Join ESL?
Membership Type: Community
Membership eligibility for ESL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ESL directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Browse all federally insured credit unions in New York, ranked by assets, members, and financial health score.
View New York RankingsFrequently Asked Questions
Yes. ESL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ESL has 463,379 members and a potential membership field of 1,526,577 people.
ESL's net worth ratio is 16.68% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.7%, ESL meets this threshold.
ESL operates 34 branch locations and has access to 33 ATMs. The main office is located at 225 Chestnut St, Rochester, NY 14604.
ESL was established in 1995. It is a federal credit union chartered under charter number 24563. The institution has been serving members for 31 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ESL. All financial data is for informational purposes only.