ESL

Rochester, NY · 1 · Charter #24563 · www.esl.org/
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.9B
99th percentile
Members
463,379
96th percentile
Total loans
$4.3B
89th percentile
Total shares
$5.7B
92th percentile

Profitability

Return on assets
0.24%
8th percentile
Net interest margin
2.62%
18th percentile
Efficiency ratio
42.81%
82th percentile
Non-interest income ratio
23.41%
80th percentile

Capital & Risk

Net worth ratio
16.68%
96th percentile
Delinquency rate
1.02%
27th percentile
Net charge-off rate
0.99%
15th percentile
Loan-to-share
76.27%
21th percentile

Growth

Member growth YoY
2.24%
50th percentile
Asset growth YoY
3.99%
33th percentile
Loan growth YoY
3.15%
37th percentile
Share growth YoY
2.13%
21th percentile

Operations

Members / branch
14,042
90th percentile
Assets / member
$21,350
76th percentile
Field of membership penetration
30.35%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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