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The Lender Report built this page from public records. ESL Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ESL Credit Union itself. Each figure shows its source and date. Work at ESL Credit Union? You can claim this page for free.

Credit union, Rochester, NY

ESL Credit Union

A credit union based in Rochester, NY. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.

Kind: Credit union
Data as of: June 30, 2026
Page last changed: November 11, 2026

Commercial book: $1.04B; NCUA 5300, Jun 30, 2026; Holds, not loans made
Commercial loans made, H1 2026: 31; NCUA 5300, Jun 30, 2026; Real-estate-secured
SBA loans, 36 months: 267; SBA FOIA, Sep 30, 2026; 7(a) and 504, net of cancelled
Total assets: $10.8B; NCUA 5300, Jun 30, 2026

Its recorded loans How to reach them Report an error

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How to reach them

Each line shows where it came from

Phone: 585-336-1000 From the NCUA record, June 30, 2026.
Website: www.esl.orgFrom the NCUA record, November 9, 2026.
Commercial lending page: esl.orgFrom the lender's website, retrieved November 11, 2026.
Names it files under: ESL; ESL Federal Credit Union; ESL FCUNCUA 5300, Jun 30, 2026
Address: 225 Chestnut St, Rochester, NY 14604NCUA 5300, Jun 30, 2026
Regulator record: NCUA profile

You generally must be a member of a credit union to borrow from it. Field of membership: Multiple common bond - primarily chemical. Designated low-income by NCUA.

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. ESL Credit Union originated 18 multifamily loans in 2025, versus 13 in 2024. HMDA, 2025

What the public record shows, newest first
When	What the record shows	Source
Oct 2023 to Sep 2026	SBA 7(a) approvals by processing method: 71 under Preferred Lender authority, 190 SBA Express.SBA ProcessingMethod field, net of cancellations.	SBA FOIA, Sep 30, 2026
Jun 2025 to Jun 2026	Non-owner-occupied CRE balance rose 0.8% to $426.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Multifamily balance rose 2.2% to $225.2M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300
Jun 2025 to Jun 2026	Owner-occupied CRE balance rose 118.9% to $218.9M in the year to June 30, 2026.Balances, not originations. Year over year from call reports.	NCUA 5300

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

ESL Credit UnionNewest first
Period	Place	Loan	Amount	Rate	Term	LTV	Source
Sep 2026	New York	SBA 7(a), Plumbing, Heating, and Air-Conditioning Contractors	$380K	6.75%	20 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Landscaping Services	$150K	7.75%	7 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers)	$140K	7.75%	8 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), General Freight Trucking, Local	$100K	7.25%	7 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers)	$50K	7.75%	10 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Used Merchandise Retailers	$50K	9.25%	7 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), General Freight Trucking, Long-Distance, Truckload	$42K	8.5%	4 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Landscaping Services	$40K	8.5%	5 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Limited-Service Restaurants	$38K	8.5%	4 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Scenic and Sightseeing Transportation, Water	$33K	8.5%	6 yr		SBA FOIA
Sep 2026	New York	SBA 7(a), Automotive Body, Paint, and Interior Repair and Maintenance	$25K	9.25%	7 yr		SBA FOIA
Aug 2026	New York	SBA 7(a), Full-Service Restaurants	$150K	6%	5 yr		SBA FOIA
Aug 2026	New York	SBA 7(a), All Other Amusement and Recreation Industries	$81K	8.5%	6 yr		SBA FOIA
Aug 2026	New York	SBA 7(a), Process, Physical Distribution, and Logistics Consulting Services	$50K	9.25%	7 yr		SBA FOIA
Aug 2026	New York	SBA 7(a), Manufacturing	$25K	9.25%	7 yr		SBA FOIA
2025	Wayne County, NY	Cash-out refinance, 5 to 24 units	$300K		10 yr	73%	HMDA 2025
2025	Monroe County, NY	Cash-out refinance, 5 to 24 units	$560K		10 yr	69%	HMDA 2025
2025	Monroe County, NY	Cash-out refinance, 5 to 24 units	$240K		15 yr	23%	HMDA 2025
2025	Monroe County, NY	Refinance, 25 to 49 units	$460K		10 yr	23%	HMDA 2025
2025	Monroe County, NY	Refinance, 100 to 149 units	$15M		10 yr	58%	HMDA 2025
2025	Monroe County, NY	Cash-out refinance, 5 to 24 units	$360K		10 yr	52%	HMDA 2025
2025	Monroe County, NY	Cash-out refinance, 5 to 24 units	$1M		10 yr	68%	HMDA 2025
2025	Monroe County, NY	Refinance, 5 to 24 units	$260K		10 yr	49%	HMDA 2025
Sep 2025	New York	SBA 504, Accommodation and Food Services	$480K		25 yr		SBA FOIA
Jul 2025	New York	SBA 504, Insurance Agencies and Brokerages	$210K		20 yr		SBA FOIA
261 SBA 7(a) loans since October 2023, net of cancelled			$31.2M	SBA FOIA

A blank means the source did not report it.

What it holds

NCUA 5300, June 30, 2026

Commercial book on the latest filing
Book	Holds	Of its loans	Year over year	Loans	Average
Multifamily	$225M	4.8%	+2.2%	98	$2.30M
Construction and land development	$60.6M	1.3%	+114.8%	14	$4.33M
Owner-occupied CRE	$219M	4.7%	+118.9%	142	$1.54M
Non-owner-occupied CRE	$427M	9.2%	+0.8%	160	$2.67M
Farmland	$197K	0.0%	Not reported	1	$197K
Commercial and industrial	$110M	2.4%	-6.6%	693	$159K
Other real-estate-secured commercial	$0	0.0%	Not reported	Not reported	Not reported
Commercial total	$1.04B

NCUA 5300, Jun 30, 2026

Table

Commercial book by quarter
Quarter	Commercial book
Q3 2023	$782M
Q4 2023	$822M
Q1 2024	$867M
Q2 2024	$902M
Q3 2024	$883M
Q4 2024	$899M
Q1 2025	$917M
Q2 2025	$890M
Q3 2025	$940M
Q4 2025	$959M
Q1 2026	$972M
Q2 2026	$1.04B

NCUA 5300, Jun 30, 2026

Loans on record, by kind
Kind of loan	Period	Loans made	Dollars	Typical size	Largest	Source
Multifamily, 5 or more units	2025	18	$53.4M	$660K	$21M	HMDA, 2025
Multifamily, 5 or more units	2024	13	$79.1M	$1.21M		HMDA, 2024
1-4 unit investor or business purpose	2025	46	$11.3M	$175K		HMDA, 2025
SBA 7(a), net of cancelled	36 months to Sep 2026	261	$31.2M	$50.0K	$2.6M	SBA FOIA, Sep 30, 2026
SBA 7(a), net of cancelled	12 months to Sep 2026	75	$6.98M			SBA FOIA, Sep 30, 2026
SBA 504 first lien, net of cancelled	36 months to Sep 2026	6	$3.26M	$488K	$1.1M	SBA FOIA, Sep 30, 2026
Real-estate-secured commercial	First half of 2026	31	$93.8M			NCUA 5300, Jun 30, 2026
Multifamily	First half of 2026	3	$5.30M			NCUA 5300, Jun 30, 2026
Construction	First half of 2026	3	$3.87M			NCUA 5300, Jun 30, 2026
Owner-occupied CRE	First half of 2026	10	$38.7M			NCUA 5300, Jun 30, 2026
Non-owner-occupied CRE	First half of 2026	15	$46.0M			NCUA 5300, Jun 30, 2026
C&I	First half of 2026	85	$20.1M			NCUA 5300, Jun 30, 2026

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.

Average loan on the books, by kind
Book	Average loan
Construction and land development	$4.33M
Multifamily	$2.30M
Owner-occupied CRE	$1.54M
Non-owner-occupied CRE	$2.67M
Farmland	$197K
Commercial and industrial	$159K

NCUA 5300, Jun 30, 2026

SBA loans by industry, 36 months
Industry	Loans	Dollars
Full-Service Restaurants	16	$958K
General Freight Trucking, Local	12	$614K
Beauty Salons	10	$688K
Landscaping Services	9	$1.16M
Residential Remodelers	9	$922K
General Automotive Repair	7	$822K
Child Care Services	7	$440K
Finish Carpentry Contractors	5	$1.27M
All Other Specialty Trade Contractors	5	$246K
Limited-Service Restaurants	5	$239K

SBA FOIA, Sep 30, 2026

Other lenders in these fields: SBA lenders for restaurants, SBA lenders for trucking companies, SBA lenders for landscaping companies.

Programs on record: Federal Home Loan Bank member, New York district (FHFA).

Where it lends

Offices beside loans on record

Offices and recorded loans by state
State	Offices	Multifamily 2025	1-4 investor 2025	SBA 7(a) 36 mo.	SBA 504 36 mo.
New York HQ	34	18	46	261	6

NCUA, Jun 30, 2026HMDA, 2025SBA FOIA, Sep 30, 2026

Counties with the most recorded loans (5 or more)
County	Recorded loans	Dollars
Monroe County, NY	26	$123M

HMDA, 2025SBA FOIA, Sep 30, 2026

Metro areas with the most recorded loans (5 or more)
Metro	Recorded loans	Dollars
Rochester, NY	31	$132M

HMDA, 2025SBA FOIA, Sep 30, 2026

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
Measure	This lender	Its peers	How it is worked out	Source
Business loan cap	$1.32B	$531M to $1.77B across 8 peers	Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union.	NCUA 5300, Jun 30, 2026 12 CFR 723.8, Jun 30, 2026
Business loans outstanding	$1.19B	$39.3M to $1.79B across 8 peers	Net member business loans, as reported on Form 5300.	NCUA 5300, Jun 30, 2026
Cap used	90.0%	3.0% to 101.2% across 8 peers	Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap.	NCUA 5300, Jun 30, 2026
Largest single borrower	$266M	$62.9M to $195M across 8 peers	Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated.	NCUA 5300, Jun 30, 2026 12 CFR 723.4, Jun 30, 2026
CRE to net worth	40.2%	5.1% to 133.2% across 8 peers	(Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit.	NCUA 5300, Jun 30, 2026
Loans to assets	43.0%	58.8% to 82.3% across 8 peers	Total loans divided by total assets.	NCUA 5300, Jun 30, 2026

Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.

Loan channel and SBA processing

Public record only

Preferred Lender authority: 71 loans (27.2%)
SBA Express: 190 loans
Approval to first disbursement: 14 days, median of 223

SBA FOIA, Sep 30, 2026 SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.

Peers

Same kind of lender, similar size and book

Peers
Lender	State	Total assets	Commercial book
Broadview Credit Union	NY	$9.36B	$758M
Hudson Valley Credit Union	NY	$8.05B	$668M
Teachers Credit Union	NY	$9.92B	$460M
United Nations Credit Union	NY	$10.7B	$53.1M
Visions Credit Union	NY	$5.53B	$567M
Fourleaf Credit Union	NY	$14.4B	$1.83B
Jovia Financial Credit Union	NY	$4.56B	$500M
Empower Credit Union	NY	$4.34B	$456M

NCUA 5300, Jun 30, 2026

Compare these lenders side by side

What we don't know

Whether it is taking new loans today, or on what terms.
Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
Whether it takes brokers. No figure here means no evidence, not a refusal.
Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.

Check this page

Against the regulator's own record

Name and charter. ESL Credit Union, NCUA charter 24563. Compare it with the regulator's record. [NCUA profile]
Balances. $10.8B in total assets and $1.04B in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
Loans made. 31 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 344 loans in HMDA and SBA files, through September 30, 2026: 18 HMDA multifamily 2025, 13 HMDA multifamily 2024, 46 HMDA 1-4 unit investor 2025, 261 SBA 7(a) in 36 months, 6 SBA 504 first liens in 36 months. [How each file was tied to ESL Credit Union]
Phone and website. Phone 585-336-1000, from the NCUA record. Website esl.org, from the NCUA record. [How to reach them]

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For the record

Data as of June 30, 2026. Page last changed November 11, 2026.

Regulator: National Credit Union Administration
NCUA charter: 24563
RSSD: 243179
LEI: 549300KUYF5QOROM7N37
The Lender Report ID: lr_000176

Main office county: Monroe
Members: 484,392
NCUA region: 1 - Eastern

NCUA credit union details, Nov 8, 2026

Reported $10.8B in total assets as of June 30, 2026 (NCUA 5300).
Held $1B of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
Held $426.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 0.8% from a year earlier (NCUA 5300).
Held $225.2M of multifamily loans as of June 30, 2026, up 2.2% from a year earlier (NCUA 5300).
Held $218.9M of owner-occupied commercial real estate loans as of June 30, 2026, up 118.9% from a year earlier (NCUA 5300).
Originated 18 multifamily loans totaling $53.4M in 2025 (HMDA).

8 more sentences

Originated 13 multifamily loans totaling $79.1M in 2024 (HMDA).
Originated 46 1-4 unit investor or business-purpose loans totaling $11.3M in 2025 (HMDA).
Recorded 283 SBA 7(a) approvals totaling $33.1M from October 1, 2023 to September 30, 2026, of which 22 were later cancelled (SBA).
Provided the first lien on 6 SBA 504 projects with $3.3M in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
Originated 31 real-estate-secured commercial loans totaling $93.8M in the first half of 2026 (NCUA 5300).
Bought $2M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
Held $4M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
Listed 34 offices in 1 state (NCUA).

Cite this

Source: The Lender Report, ESL Credit Union, https://lender.report/lender/esl-credit-union-ny/, data as of June 30, 2026.

Sources

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Call 585-336-1000 Website

Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem