ESL

Charter #24563 | NY

7B-10B (30 CUs) Large (64 CUs)
4 7B-10B in NY

ESL has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 16.9% in tier
  • + ROA 0.45% above tier average
  • + Fee Income Per Member: Top 0.0% in tier
  • + Total Assets: Top 3.3% in tier
  • + Net Worth Ratio: Top 6.7% in tier
  • + First Mortgage Concentration (%): Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 5.5% in tier
  • - Indirect Auto Dependency: Bottom 12.1% in tier
  • - Credit Quality Pressure: Bottom 15.6% in tier
  • - Growth-at-Risk: Bottom 22.7% in tier
  • - Shrinking Wallet Share: Bottom 25.0% in tier
  • - Delinquency rate 0.27% above tier average
  • - Total Deposits: Bottom 3.3% in tier
  • - Total Loans: Bottom 6.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 462,162
+2.6% YoY+0.7% QoQ
 +2.9K 459,296
+3.8% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 50th in tier
Assets $9.9B
+3.2% YoY+2.8% QoQ
 +$975.0M $8.9B
+1.2% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Top 6.7% in tier
Loans $4.3B
+2.8% YoY+1.9% QoQ
 $-2.0B $6.3B
+2.9% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Bottom 3.3% in tier
Deposits $5.7B
+0.8% YoY-1.8% QoQ
 $-1.7B $7.5B
+2.3% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 1.5%
+69.7% YoY+24.2% QoQ
 +0.5% 1.0%
+22.1% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 16.7% in tier
NIM 2.9%
+15.1% YoY+1.0% QoQ
 -0.2% 3.0%
+11.5% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 37th in tier
Efficiency Ratio 58.7%
-8.7% YoY-7.9% QoQ
 -5.1% 63.7%
-2.2% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 0.9%
+7.5% YoY+6.6% QoQ
 +0.3 0.7%
+10.8% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 23.3% in tier
Loan To Share 75.0%
+2.0% YoY+3.7% QoQ
 -10.4% 85.4%
+0.7% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $21,694
-0.9% YoY-0.9% QoQ
 $-12K $33,660
-2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 10.0% in tier
CD Concentration 16.9%
-4.2% YoY+1.3% QoQ
 -12.0% 28.9%
-1.3% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Bottom 9.4% in tier
Indirect Auto % 33.3%
-2.8% YoY-1.7% QoQ
 +16.7% 16.6%
-10.3% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Top 12.5% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#26 of 50 • Top 16.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.56%
(Tier: 3.07%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.48%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 33.28%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk
#4 of 24 • Bottom 5.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.76%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.03%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

Indirect Auto Dependency

risk
#13 of 33 • Bottom 12.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.20%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.28%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.56%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#20 of 34 • Bottom 15.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY

Growth-at-Risk

risk
#23 of 25 • Bottom 22.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.85%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#13 of 15 • Bottom 25.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.86%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 30 peers in tier

Top Strengths (6 metrics)

1
Fee Income Per Member
profitability
Value: $332.08
Peer Avg: $199.46
#1 of 30 Top 0.0% in 7B-10B tier
2
Total Assets
balance_sheet
Value: $9.90B
Peer Avg: $8.92B
#2 of 30 Top 3.3% in 7B-10B tier
3
Net Worth Ratio
risk
Value: 16.76%
Peer Avg: 12.36%
#3 of 30 Top 6.7% in 7B-10B tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 20.92%
Peer Avg: 38.48%
#4 of 30 Top 10.0% in 7B-10B tier
5
Return on Assets (ROA)
profitability
Value: 1.48%
Peer Avg: 1.03%
#5 of 30 Top 13.3% in 7B-10B tier
5
Share Certificate Concentration (%)
balance_sheet
Value: 16.90%
Peer Avg: 26.92%
#5 of 30 Top 13.3% in 7B-10B tier

Top Weaknesses (8 metrics)

30
Total Deposits
balance_sheet
Value: $5.73B
Peer Avg: $7.45B
#30 of 30 Bottom 3.3% in 7B-10B tier
29
Total Loans
balance_sheet
Value: $4.30B
Peer Avg: $6.34B
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Loan-to-Member Ratio (LMR)
engagement
Value: $9,299
Peer Avg: $15,544
#28 of 30 Bottom 10.0% in 7B-10B tier
27
Average Member Relationship (AMR)
engagement
Value: $21,694
Peer Avg: $33,660
#27 of 30 Bottom 13.3% in 7B-10B tier
26
Net Charge-Off Rate
risk
Value: 0.97%
Peer Avg: 0.56%
#26 of 30 Bottom 16.7% in 7B-10B tier
26
Indirect Auto Concentration (%)
balance_sheet
Value: 33.28%
Peer Avg: 18.85%
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Deposit Growth Rate
growth
Value: 0.82%
Peer Avg: 4.48%
#25 of 30 Bottom 20.0% in 7B-10B tier
24
Total Delinquency Rate (60+ days)
risk
Value: 0.95%
Peer Avg: 0.67%
#24 of 30 Bottom 23.3% in 7B-10B tier