credit union · NCUA 24563 · NY
How big is ESL?
ESL (NY, NCUA charter 24563) reported total assets of $10.8B, 485,535 members and a net worth ratio of 16.40% in its Call Report for 2026Q2. That ranks 21 of 4,299 federally insured credit unions by assets, 21 of 25 among credit unions over $10b in assets, 2 of 268 credit unions in new york.
What stands out
ESL (NY, NCUA charter 24563) reported total assets of $10.8B, 485,535 members and a net worth ratio of 16.40% in its Call Report for 2026Q2. That ranks 21 of 4,299 federally insured credit unions by assets, 21 of 25 among credit unions over $10b in assets, 2 of 268 credit unions in new york. Against its size class: net worth ratio 16.40%, above the peer median of 10.72%; loan-to-share ratio 74.24%, below the peer median of 88.75%; return on assets 2.26%, above the peer median of 0.87%. At 16.40% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $10.8B | $19.4B | $46.8M | $68.3M | record → |
| Shares and deposits | $6.2B | $15.6B | $40.0M | $58.3M | record → |
| Loans outstanding | $4.6B | $13.8B | $21.7M | $34.4M | record → |
| Net income (year to date) | $122.1M | $90.4M | $175.9k | $222.2k | record → |
| Net worth | $1.8B | $1.9B | $6.2M | $9.0M | record → |
| Net worth ratio | 16.40% | 10.72% | 12.10% | 12.65% | record → |
| Loan-to-share ratio | 74.24% | 88.75% | 60.91% | 68.70% | computed |
| Return on assets | 2.26% | 0.87% | 0.77% | 0.71% | computed |
| Members | 485,535 | 958,216 | 3,212 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $10.8B | $6.2B | $4.6B | $122.1M | 16.40% | 485,535 | 21 |
| 2026Q1 | $10.6B | $6.2B | $4.5B | $36.2M | 15.85% | 485,309 | 21 |
| 2025Q4 | $9.9B | $5.8B | $4.3B | $99.6M | 16.68% | 463,379 | 26 |
| 2025Q3 | $9.9B | $5.7B | $4.3B | $108.6M | 16.76% | 462,162 | 23 |
| 2025Q2 | $9.6B | $5.8B | $4.2B | $57.0M | 16.69% | 459,155 | 25 |
| 2025Q1 | $9.5B | $5.8B | $4.2B | $9.4M | 16.47% | 457,370 | 29 |
| 2024Q4 | $9.5B | $5.7B | $4.2B | $30.4M | 16.29% | 453,218 | 26 |
| 2024Q3 | $9.6B | $5.7B | $4.2B | $61.9M | 16.49% | 450,642 | 27 |
| 2024Q2 | $9.3B | $5.8B | $4.1B | $28.2M | 16.65% | 444,681 | 30 |
| 2024Q1 | $9.2B | $5.7B | $3.9B | $18.1M | 16.74% | 437,791 | 31 |
| 2023Q4 | $9.3B | $5.6B | $3.8B | $51.0M | 16.42% | 429,779 | 28 |
| 2023Q3 | $9.1B | $5.5B | $3.6B | $36.4M | 16.52% | 425,257 | 28 |
| 2023Q2 | $9.1B | $5.6B | $3.5B | $36.4M | 16.56% | 421,054 | 27 |
| 2023Q1 | $9.1B | $5.6B | $3.3B | $17.9M | 16.31% | 416,663 | 28 |
| 2022Q4 | $9.2B | $5.5B | $3.3B | $-2.7M | 16.04% | 411,940 | 27 |
| 2022Q3 | $9.2B | $5.6B | $3.3B | $-9.0M | 15.86% | 409,562 | 26 |
| 2022Q2 | $9.3B | $5.6B | $3.2B | $121.7M | 15.67% | 393,994 | 24 |
| 2022Q1 | $9.2B | $5.6B | $3.2B | $14.7M | 16.08% | 405,189 | 24 |
| 2021Q4 | $9.2B | $5.4B | $3.2B | $152.0M | 16.00% | 401,601 | 22 |
| 2021Q3 | $8.7B | $5.4B | $3.2B | $134.6M | 16.74% | 398,193 | 26 |
| 2021Q2 | $8.5B | $5.4B | $3.1B | $110.7M | 16.79% | 395,069 | 25 |
| 2021Q1 | $8.3B | $5.3B | $3.1B | $55.0M | 16.51% | 391,426 | 24 |
| 2020Q4 | $8.3B | $4.9B | $3.1B | $114.9M | 15.97% | 388,019 | 24 |
| 2020Q3 | $8.0B | $4.6B | $3.1B | $69.8M | 15.86% | 374,041 | 24 |
| 2020Q2 | $7.4B | $4.5B | $3.1B | $17.3M | 16.58% | 371,778 | 24 |
| 2020Q1 | $6.9B | $3.9B | $3.0B | $-20.0M | 17.09% | 371,391 | 25 |
| 2019Q4 | $6.8B | $3.8B | $3.0B | $103.5M | 17.70% | 379,545 | 24 |
| 2019Q3 | $6.8B | $3.7B | $3.0B | $88.0M | 17.42% | 366,962 | 23 |
| 2019Q2 | $6.7B | $3.7B | $3.0B | $67.9M | 17.56% | 364,479 | 23 |
| 2019Q1 | $6.5B | $3.6B | $2.9B | $41.8M | 17.72% | 360,906 | 23 |
| 2018Q4 | $6.2B | $3.5B | $2.9B | $78.6M | 17.77% | 357,900 | 23 |
| 2018Q3 | $6.1B | $3.5B | $2.9B | $72.1M | 18.01% | 355,085 | 23 |
| 2018Q2 | $5.9B | $3.5B | $2.8B | $46.3M | 17.99% | 356,605 | 25 |
| 2018Q1 | $5.8B | $3.4B | $2.7B | $21.8M | 17.97% | 353,263 | 24 |
| 2017Q4 | $6.2B | $3.3B | $2.7B | $95.8M | 16.40% | 350,103 | 21 |
| 2017Q3 | $6.2B | $3.3B | $2.7B | $76.8M | 16.32% | 346,946 | 21 |
| 2017Q2 | $6.3B | $3.4B | $2.6B | $50.5M | 15.56% | 346,962 | 21 |
| 2017Q1 | $6.2B | $3.3B | $2.6B | $25.6M | 15.32% | 340,134 | 21 |
| 2016Q4 | $6.1B | $3.2B | $2.5B | $88.3M | 15.28% | 336,880 | 20 |
| 2016Q3 | $6.0B | $3.1B | $2.5B | $71.6M | 15.27% | 334,182 | 20 |
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