Esl Federal Credit Union (24563), a $9.9B credit union headquartered in Rochester, NY, led by CEO Masood, reported 462,162 members at the end of 2025 Q3, an increase of 11,520 members (+2.6%) compared to the same quarter last year.
Stable membership suggests mature market positioning with focus on deepening existing relationships rather than aggressive acquisition.
Per-Member Economics
Esl Federal Credit Union's 462,162 members maintain an average of $12K in deposits and $9K in loans. Membership growing faster than per-member balances suggests successful acquisition of newer members who haven't yet consolidated accounts.
Membership Trends
Consistent quarterly member additions demonstrate sustainable acquisition momentum.
Quarterly Membership Trend
| Period | Members | QoQ Change | Assets/Member |
|---|---|---|---|
| 2024 Q2 | 444,681 | $21K | |
| 2024 Q3 | 450,642 | +1.3% | $21K |
| 2024 Q4 | 453,218 | +0.6% | $21K |
| 2025 Q1 | 457,370 | +0.9% | $21K |
| 2025 Q2 | 459,155 | +0.4% | $21K |
| 2025 Q3 | 462,162 | +0.7% | $21K |
Source: NCUA 5300 Call Reports
Field of Membership Penetration
Esl Federal Credit Union has a defined field of membership comprising 1,538,420 potential members. With 462,162 current members, the credit union achieves a 30.0% penetration rate, suggesting moderate coverage of eligible individuals.
Historical Context: Since the 2008 Crisis
Esl Federal Credit Union's membership has grown 58% since Q3 2008, when the financial crisis peaked. At that time, the credit union served 293,221 members.
This sustained membership expansion reflects successful community engagement and competitive positioning over nearly two decades.
Peer Comparison
Among 74 credit unions in its $4.9B–$14.8B asset peer group, Esl Federal Credit Union ranks in the 36th percentile for membership growth.
Outlook
With positive membership momentum, Esl Federal Credit Union is positioned to leverage its growing base for cross-selling opportunities and deposit gathering. Key factors to watch include member retention rates, new member activation, and competitive dynamics in NY.
Esl Federal Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether membership growth can accelerate.
Track This Credit Union
Monitor Esl Federal Credit Union's quarterly membership trends, per-member economics, and engagement metrics with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Per-member metrics calculated by dividing totals by member count.