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
- 485,309
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
485,309 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ESL |
|---|---|
| Total Assets | $10.6B |
| Members | 485,309 |
| Loans Outstanding | $4.5B |
| Shares & Deposits | $6.2B |
| Net Worth | $1.7B |
| Net Worth Ratio | 15.85% |
| Loan-to-Share Ratio | 72.9% |
| Delinquency Rate | 0.81% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
ESL is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ESL has 485,309 members and a potential membership field of 1,607,236 people.
ESL's reported net worth ratio is 15.85% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ESL. All financial data is for informational purposes only.