Sep, 30, 2025 — ESL FEDERAL CREDIT UNION is a federal credit union headquartered in ROCHESTER, NY with 25 branch locations and about $9.90 billion in total assets. Opened 31 years ago in 1995, ESL FEDERAL CREDIT UNION has about 462,162 members and employs 970 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ESL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 225 Chestnut St ROCHESTER, NY 14604 |
| Phone: | (585) 336-1000 |
| Fax: | |
| Website: | https://www.esl.org/ |
| Branches: | 25 branch locations |
| Members: | 462,162 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24563 |
|---|---|
| Membership Type: | Multiple common bond - Primarily chemical |
| Corporate Credit Union: | No |
| Year Opened: | 1995 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $9,896,489,120 |
| CEO/Manager: | Faheem Masood |
| Chairperson: | Erin Tolefree |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 180,391,327 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 10,542,457 |
| Real Estate Loans | 2,198,727,793 |
| Unsecured Loans | 415,414,635 |
| Other Loans | 1,683,660,694 |
| TOTAL LOANS | 4,297,808,012 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -78,467,289 |
| Land And Building | 64,526,182 |
| Other Fixed Assets | 72,459,443 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 52,237,949 |
| All Other Assets | 3,588,141 |
| TOTAL ASSETS | 9,896,489,120 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 6,042,934 |
| Notes & Interest Payable | 2,616,694,314 |
| Accounts Payable & Other Liabilities | 101,892,529 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 709,544,535 |
| Regular shares | 2,576,735,591 |
| All Other Shares & Deposits | 2,441,978,072 |
| TOTAL SHARES & DEPOSITS | 5,728,258,198 |
| TOTAL LIABILITIES | 8,456,523,469 |
| Regular Reserve | 0 |
| Other Reserves | -218,637,679 |
| Undivided Earnings | 1,658,603,330 |
| TOTAL EQUITY | 1,439,965,651 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 9,896,489,120 |
| INCOME & EXPENSE | |
| Loan Income | 223,464,875 |
| Investment Income | 132,909,852 |
| Other Income | 9,667,664 |
| Total Employee Compensation & Benefits | 88,841,067 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 101,151,329 |
| Non-operating Income & (Expense) | 846,757 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 25,314,406 |
| Cost of Funds | 147,619,822 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 108,554,638 |
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