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ESL FEDERAL CREDIT UNION

Jun, 30, 2024 — ESL FEDERAL CREDIT UNION is a federal credit union headquartered in ROCHESTER, NY with 23 branch locations and about $9.22 billion in total assets. Opened 30 years ago in 1995, ESL FEDERAL CREDIT UNION has about 409,562 members and employs 895 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 222371863
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:23 branch locations
Members:409,562
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, 2021
FHLB Member:Yes
Low Income Designation:No
Assets:$9,221,273,150
CEO/Manager:Faheem Masood
Chairperson:Kenneth D Bell

Call Report

  • Payday Alternative Loans (PAL Loans)
  • First Time Homebuyer Program
  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 90,152,034
TOTAL INVESTMENTS 0
Loans Held for Sale 3,460,316
 
 Real Estate Loans 1,802,870,560
 Unsecured Loans 246,677,191
 Other Loans 1,238,959,712
 TOTAL LOANS 3,288,535,076
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -57,165,414
 Land And Building 73,957,098
 Other Fixed Assets 59,519,525
 NCUSIF Deposit 49,397,582
 All Other Assets 1,869,555
  TOTAL ASSETS 9,221,273,150
LIABILITIES & CAPITAL:  
 Dividends Payable 139,288
 Notes & Interest Payable 2,655,660,173
 Accounts Payable & Other Liabilities 90,590,808
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 736,912,088
 Regular shares 2,933,330,582
 All Other Shares & Deposits 1,888,738,126
  TOTAL SHARES & DEPOSITS 5,558,980,796
  TOTAL LIABILITIES 8,305,371,065
 Regular Reserve 0
 Other Reserves -546,455,977
 Undivided Earnings 1,462,358,062
  TOTAL EQUITY 915,902,085
  TOTAL LIABILITIES, SHARES, & EQUITY 9,221,273,150
INCOME & EXPENSE  
 Loan Income 111,079,606
 Investment Income 105,416,908
 Other Income 6,675,419
 Total Employee Compensation & Benefits 74,042,198
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 82,017,177
 Non-operating Income & (Expense) -20,504
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 7,650,303
 Cost of Funds 30,346,770
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -8,992,099
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