| Weiss Ratings |
ESL Federal Credit Union
Rochester, NY |
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| Rating | ||||
| Asset Quality Index | 9.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.30 | |||
| Profitability Index | 3.70 | |||
| 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 | 0.75% | |||
| 5-Year Asset Growth | 8.33% | |||
| 5-Year Charge-Offs to Average Loans | 0.33% | |||
| Charge-Offs to Average Loans | 0.75% | |||
| Non-Performing Assets to Assets | 0.30% | |||
| Non-Performing Loans to Capital | 2.33% | |||
| Non-Performing Loans to Loans | 0.61% | |||
| Balance Sheet |
ESL Federal Credit Union
Rochester, NY |
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| Total Assets | 9.18B | |||
| Total Deposits | 5.74B | |||
| Capital and Reserves |
ESL Federal Credit Union
Rochester, NY |
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| Capital | 1.10B | |||
| Leverage Ratio | 16.74 | |||
| Loan Loss Reserves to Loans | 1.79% | |||
| Liquidity |
ESL Federal Credit Union
Rochester, NY |
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| Hot Money Ratio | 11.48% | |||
| Liquidity Ratio | 6.45% | |||
| Profitability |
ESL Federal Credit Union
Rochester, NY |
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| 5-Year Return on Average Assets | 1.08% | |||
| Net Income | 18.10M | |||
| Net Interest Spread | 2.42% | |||
| Operating Profit to Average Assets | 0.65% | |||
| Overhead Efficiency Ratio | 63.85% | |||
| Return on Assets | 0.79% | |||
| Return on Equity | 6.63% | |||
