ESL Credit Union Profile

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ESL

Charter #24563 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (585) 336-1000

Fax:

Founding Date: N/A

Website: https://www.esl.org/

Personnel & Operations

President: Tolefree, Erin

Manager: Masood, Faheem

FT Employees: 932

PT Employees: 32

Designations & Ratios

MDI Status: No

RBC Ratio: 20.22%

Membership Type: 40

Branches: 25

Hours: M thru F 8 - 5

Credit Union Profile Summary

ESL is a FCU Credit Union. With a total of 459,155 members ^[1], this institution manages approximately $9,626,251,970 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 16.69% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.03% ^[1].

Financial Snapshot

Total Assets ^[1]

$9,626,251,970

Total economic resources.

Total Loans ^[1]

$4,218,098,255

Total value of outstanding loans.

Total Deposits ^[1]

$5,831,669,316

Total funds deposited by members.

Members ^[1]

459,155

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

16.69%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

1.19%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

72.33%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 3.57%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 4.03%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 3.25%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

225 Chestnut St

Rochester, NY, 14604

Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 23 branches reported by ESL (Charter #24563).

Main Office

ESL FCU Main Office

Type: Corporate Office

225 Chestnut St

Rochester, NY 14604

Phone: (585) 336-1000

Services: ATM

ESL Credit Union Profile

ESL

Headquarters Contact & Staff

Credit Union Profile Summary

Financial Snapshot

Performance Ratios

Four-Quarter Growth

Headquarters Location & Map

Headquarters Address

Member Ratings & Reviews

Rate This Credit Union

Branch Locations

Main Office

ESL FCU Main Office

Additional Branches

Batavia

Brockport

Canandaigua

Geneseo

Newark

Penfield

Pittsford

Rochester

Victor

Webster