ESL
Charter #24563 · Rochester, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 485,309 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 15.85% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.41% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.78% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.02% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ESL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.64B | 96th pct | 93th pct |
| Members | 485,309 | 93th pct | 84th pct |
| Net worth ratio | 15.85% | 95th pct | 95th pct |
| Return on average assets | 1.41% | 90th pct | 82th pct |
| Net interest margin | 3.10% | 35th pct | 28th pct |
| Cost of funds | 2.78% | 91th pct | 95th pct |
| Loan-to-share | 72.89% | 19th pct | 26th pct |
| Delinquency 60+ days | 0.81% | 68th pct | 67th pct |
| Net charge-off ratio | 1.02% | 84th pct | 87th pct |
| Loan growth YoY | 5.36% | 84th pct | 88th pct |
| Share growth YoY | 8.44% | 89th pct | 93th pct |
| Efficiency ratio | 59.82% | 11th pct | 13th pct |
structural peer set hash: 7b043e876ff7bb87446beaffb3356a4b… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.