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ESL Corporate Information

We were founded in 1920 by George Eastman, one of the greatest business leaders and philanthropists of the twentieth century. We’ve grown to become a full-service financial institution with $6.1 billion in assets. And we’re locally owned and locally led, operating from our headquarters at 225 Chestnut Street in downtown Rochester. But please keep reading, because there’s more to our story …

Some Fascinating Facts about ESL
  • We have approximately 347,000 members worldwide.
  • We employ more than 740 people in our home in the Greater Rochester area.
  • We provide service to our members through 21 branch locations, more than 40 ATM locations, our locally based telephone banking, and chat, mobile, and online banking.
  • We don’t have any shareholders. Instead, our focus is exclusively on our members.
  • We’ve won the Democrat & Chronicle Rochester’s Choice Award in the Bank/Trust Company category every year since 2002.
  • We also made the nationally recognized Great Place to Work® Best Small & Medium Workplaces list seven times in the last eight years (2017, 2016, 2015, 2014, 2013, 2011, and 2010).  
Financial Information

We’ve grown steadily over the years to become the largest, locally led financial services organization in the Greater Rochester area. This quick financial snapshot shows our financial strength.

ESL Federal Credit Union Statement of Financial Condition

As of September 30, 2017. Unaudited.
(Dollars in Millions)

AssetsNet loans receivable
AssetsOther assets
AssetsTotal Assets


Liabilities and Equity
Liabilities and EquityMembers' deposit accounts
Liabilities and EquityEscrow accounts
Liabilities and EquityFunds borrowed and non-member accounts
Liabilities and EquityOther liabilities
Liabilities and EquityMembers' equity
Liabilities and EquityTotal Liabilities and Equity

Our Leadership and Management 
Regulatory Information

As a federal credit union, we’re regulated by the National Credit Union Administration (NCUA), the independent federal agency that regulates, charters, and supervises federal credit unions.

Backed by the full faith and credit of the U.S. government, the NCUA operates and manages the National Credit Union Share Insurance Fund (NCUSIF) which insures the deposits of more than 95 million account holders in all federal credit unions and the overwhelming majority of state-charted credit unions. For more information, visit

Our Mission and Our Commitment


  • We provide financial guidance and solutions.
  • We deliver superior experiences to people and businesses connected to the Greater Rochester Area.
  • We commit to financial strength.
  • We share our financial success with members and reinvest in our community.

Our commitment is to deliver a superior experience to all customers, both internal and external.

For more information:

We look forward to telling you more about ESL, the local financial services leader that answers to you.