Rochester, NY · Federal Credit Union · Chartered in NY
Who can join
Community — open geographic area
Members
485,309
Net Worth Ratio
15.85%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$10.64B
Total Shares
$6.21B
Total Loans
$4.53B
Net Worth Ratio
15.85%
≥7% = Well Capitalized
Members
485,309
Delinquency Rate (60d+)
0.45%
$20.2M
Loan-to-share ratio: 72.9%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 8,115 | 5,726 | 1,326 | 70.6% | 16.3% |
| 2022 | 8,579 | 6,358 | 1,208 | 74.1% | 14.1% |
| 2021 | 10,242 | 7,599 | 1,288 | 74.2% | 12.6% |
No CFPB complaint data available for this credit union.
ESL FCU
225 Chestnut St, Rochester, NY, 14604
M thru F 8 - 5
Brockport
6670 4th Section Rd, Brockport, NY, 14420
M 9 -5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1:00
Canandaigua
4175 Recreation Dr, Canandaigua, NY, 14424
M 9 - 4 T 9 - 5 W 9 - 5 T 9 - 5 F 9 - 5 S 9 - 1
Chili
3169 Chili Ave, Rochester, NY, 14624
M 9 -5 T 9 -4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Cobblestone Court
200 Cobblestone Court Dr, Victor, NY, 14564
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Irondequoit
518 E Ridge Rd, Rochester, NY, 14621
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<a href="https://bankscorer.com/credit-union/esl" target="_blank" rel="noopener">View ESL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Culver Ridge
2255 E Ridge Rd, Rochester, NY, 14622
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Long Pond
745 Long Pond Rd, Rochester, NY, 14612
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Merchants
215 Merchants Rd, Rochester, NY, 14609
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
Mount Read
3508 Mount Read Blvd, Rochester, NY, 14616
M 9 - 5 T 9 - 4 W 9 - 4 T 9 - 5 F 9 - 5 S 9 - 1
24 more locations not shown.