| Weiss Ratings |
ESL Federal Credit Union
Rochester, NY |
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| Rating | ||||
| Asset Quality Index | 9.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 4.70 | |||
| Stability Index | 9.40 | |||
| Company Info |
ESL Federal Credit Union
Rochester, NY |
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| NCUA Charter Number | 6248 | |||
| Phone Number | (585) 336-1000 | |||
| Website | www.esl.org | |||
| Asset Quality |
ESL Federal Credit Union
Rochester, NY |
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| 1-Year Asset Growth | 5.28% | |||
| 5-Year Asset Growth | 8.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.33% | |||
| Charge-Offs to Average Loans | 0.69% | |||
| Non-Performing Assets to Assets | 0.42% | |||
| Non-Performing Loans to Capital | 2.96% | |||
| Non-Performing Loans to Loans | 0.88% | |||
| Balance Sheet |
ESL Federal Credit Union
Rochester, NY |
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| Total Assets | 9.59B | |||
| Total Deposits | 5.68B | |||
| Capital and Reserves |
ESL Federal Credit Union
Rochester, NY |
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| Capital | 1.29B | |||
| Leverage Ratio | 16.49 | |||
| Loan Loss Reserves to Loans | 1.93% | |||
| Liquidity |
ESL Federal Credit Union
Rochester, NY |
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| Hot Money Ratio | 13.56% | |||
| Liquidity Ratio | 7.26% | |||
| Profitability |
ESL Federal Credit Union
Rochester, NY |
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| 5-Year Return on Average Assets | 1.08% | |||
| Net Income | 61.87M | |||
| Net Interest Spread | 2.62% | |||
| Operating Profit to Average Assets | 0.76% | |||
| Overhead Efficiency Ratio | 64.26% | |||
| Return on Assets | 0.89% | |||
| Return on Equity | 7.25% | |||