BankRankedESL
ROA: StrongCredit UnionRochester, NY | NCUA Charter #24563
Total Assets
$9.89B
Total Shares/Deposits
$5.79B
Members
463,379
Branches
N/A
NCUA data last updated: April 2, 2026
Overview
ESL is a federally insured credit union headquartered in Rochester, NY. As a member-owned cooperative, it operates on a not-for-profit basis, meaning surplus revenue is typically returned to members through lower loan rates, higher savings rates, and reduced fees (Source: NCUA).
With $9.89B in total assets, ESL serves 463,379 members. Credit union membership typically requires meeting specific eligibility criteria such as employer, geographic area, or association membership. Check with the credit union directly for current membership requirements.
Financial Health
Return on Assets (ROA)
1.03%
Net Income
N/A
NCUA Insured
Yes
Up to $250,000 per depositor
ESL reports a return on assets (ROA) of 1.03%, which is below the national bank average of 1.21%. Note: credit union ROA is not directly comparable to bank ROA because credit unions operate as not-for-profits and typically aim for modest surpluses rather than maximizing returns. A lower ROA at a credit union does not necessarily indicate weaker financial health (Source: NCUA Quarterly Call Report).
All deposits at ESL are insured up to $250,000 per depositor by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. This provides the same level of protection as FDIC insurance at banks.
Member Experience
ESL serves 463,379 members. As a cooperative, each member has an equal ownership stake and voting rights regardless of account balance. This governance structure means the institution's priorities are set by members rather than external investors.
Total shares and deposits held at ESL are $5.79B. At credit unions, deposit accounts are technically "share accounts" because each deposit represents an ownership share in the cooperative.
BankRanked does not have access to ESL's specific fee schedules, account minimums, or current rates. For the most accurate and up-to-date information on products, rates, and membership eligibility, contact ESL directly or visit their official website. The NCUA also provides financial data at ncua.gov.
Data Sources
FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/
CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/
Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/
NCUA Quarterly Call Report Data: Financial data for all federally insured credit unions including assets, shares, loans, membership, and branches. https://ncua.gov/analysis/credit-union-corporate-call-report-data
BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.