Credit union · NCUA insured
ESL Federal Credit Union
A $10.6B credit union, the 21st largest of 4,329, headquartered in Rochester, NY, with 485,309 members and 32 branches in New York. Best rates: CDs 4.00% and savings 1.00% APY.
ESL Federal Credit Union Carrot Score
63
Carrot Score
Higher than 10% of U.S. banks and credit unions
#26 of 32 in Rochester, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About ESL Federal Credit Union
ESL Federal Credit Union is based in Rochester, New York, focusing its efforts and community commitment on the Greater Rochester area.
- Headquarters
- 225 Chestnut St, Rochester, NY 14604
- NCUA charter
- 24563
Branches
32 branches in New York
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New York
32 branches
Rochester area · 27
- Brockport6670 4th Section Rd, Brockport, NY 14420Directions
- Canandaigua4175 Recreation Dr, Canandaigua, NY 14424Directions
- Fairport1271 Fairport Rd, Fairport, NY 14450Directions
- Farmington6120 State Route 96, Farmington, NY 14425Directions
- Geneseo22 Ryan Dr, Geneseo, NY 14454Directions
- Geneva342 Hamilton St, Geneva, NY 14456Directions
- Medina11182 Maple Ridge Rd, Medina, NY 14103Directions
- Newark140 S Main St, Newark, NY 14513Directions
- Penfield2059 Fairport Nine Mile Point Rd, Penfield, NY 14526Directions
- Phelps89 Main St, Phelps, NY 14532Directions
- Pittsford11 State St, Pittsford, NY 14534Directions
- Brighton Henrietta100 Canal View Blvd, Rochester, NY 14623Directions
- Chestnut225 Chestnut St, Rochester, NY 14604Directions
- Chili3169 Chili Ave, Rochester, NY 14624Directions
- Culver Ridge2255 E Ridge Rd, Rochester, NY 14622Directions
- Goodman786 N Goodman St, Rochester, NY 14609Directions
- Hudson2256 Hudson Ave, Rochester, NY 14617Directions
- Irondequoit518 E Ridge Rd, Rochester, NY 14621Directions
- Lake Ave250 Lake Ave, Rochester, NY 14608Directions
- Long Pond745 Long Pond Rd, Rochester, NY 14612Directions
- Merchants215 Merchants Rd, Rochester, NY 14609Directions
- Mount Read3508 Mount Read Blvd, Rochester, NY 14616Directions
- Ridgeway2480 Ridgeway Ave, Rochester, NY 14626Directions
- Twelve Corners1881 Monroe Ave, Rochester, NY 14618Directions
- Cobblestone Court200 Cobblestone Court Dr, Victor, NY 14564Directions
- Victor32 School St, Victor, NY 14564Directions
- Webster1055 Ridge Rd, Webster, NY 14580Directions
Auburn area · 2
- Auburn621 N Seward Ave, Auburn, NY 13021Directions
- Union Springs152 Cayuga St, Union Springs, NY 13160Directions
Seneca Falls area · 2
- Seneca Falls19 Cayuga St, Seneca Falls, NY 13148Directions
- Waterloo1865 North Rd, Waterloo, NY 13165Directions
Batavia area · 1
- Batavia4214 Veterans Memorial Dr, Batavia, NY 14020Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 16.40% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.90% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 2.36% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $74 | $88 | — |
- CapitalNet worth ratio16.40%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.90%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets2.36%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$74Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of ESL Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.