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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 $9.2 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 more than 425,000 members worldwide.
  • We employ more than 950 people in our home in the Greater Rochester area.
  • We provide service to our members through [current branch count] 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 have appeared on Great Place to Work® lists since 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 March 31, 2024. Unaudited.
(Dollars in Millions)


Investments $4,919.1
Net loans receivable $3,824.2
Other assets $419.1
Total Assets $9,162.4

Liabilities and Equity 

Members' deposit accounts $5,606.5
Escrow accounts $2.0
Funds borrowed and non-member accounts $2,342.1
Other liabilities $109.5
Members' equity $1,102.3
Total Liabilities and Equity $9,162.4

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 an equitable and resilient community.
  • 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.