ESL Federal Credit Union

ESL Federal Credit Union is headquartered in Rochester and is the 3^rd largest credit union in the state of New York. It is also the 22^nd largest credit union in the nation. It was established in 1995 and as of December of 2011, it had grown to 500 employees and 303,437 members. ESL Federal Credit Union has a 5-star health rating.

ESL Federal Credit Union Checking Account Rates

ESL Federal Credit Union Savings Account Rates

ESL Federal Credit Union Money Market Rates

ESL Federal Credit Union CD Rates

ESL Federal Credit Union IRA Rates

Data for Q4 2011

Institution Statistics ESL NCUA # 24563 BankRate Report View Year Chartered 1995 Employees 500 Primary Regulator Assets and Liabilities Assets $4.18 billion Loans $2.12 billion Deposits $2.52 billion Equity Capital $527.24 million Loan Loss Allowance $26.94 million Unbacked Noncurrent Loans $16.04 million Real Estate Owned $446,000 Historic Data - December 2010 Assets $3.93 billion Equity Capital $467.46 million Loan Loss Allowance $24.93 million Unbacked Noncurrent Loans $19.90 million Real Estate Owned $734,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 1.25% Return on Equity 9.91% Interest Income $167.42 million Non-Interest Income $41.67 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 ESL Federal Credit Union had $16.48 million in non-current loans and owned real-estate with $554.18 million in equity and loan loss allowances on hand to cover it. This gives ESL Federal Credit Union a Texas Ratio of 2.97% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for ESL Federal Credit Union decreased slightly from 4.19% as of December 31, 2010 to 2.97% as of December 31, 2011, resulting in a positive change of 29.02%.This indicates that the balance sheet and financial strength for ESL Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, ESL Federal Credit Union has increased its total deposits by $87.39 million, resulting in 3.6% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth ESL Federal Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. ESL Federal Credit Union has $4.18 billion in assets with $554.18 million in equity, resulting in a capitalization level of 13.25%, which is excellent.