Esl
Esl is a credit union based in Rochester, New York, established in 1995, with $10.6 billion in total assets serving 485,309 members. By Trust Grade it ranks 56th of 267 credit unions we track in New York. Its net worth ratio of 15.8% is stronger than 91% of similarly sized credit unions, versus a New York median of 12%. It was profitable over the most recent period, with a 1.36% return on assets. No consumer complaints against Esl appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Esl compares to New York peers
How we graded Esl
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.8% capital ratio)
- Strongly profitable (ROA 1.36%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Esl over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Esl insured?
Yes. Esl is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Esl: frequently asked questions
Is Esl a good credit union?
Esl earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.8% capital ratio); Strongly profitable (ROA 1.36%).
Is Esl NCUA-insured?
Yes. Esl is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Esl?
Esl holds $10.6 billion in total assets, ranking 56th of 267 credit unions we track in New York. It serves 485,309 members.
Does Esl have CFPB complaints?
No CFPB complaints against Esl appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
