Esl Federal Credit Union

Headquarters: Rochester, New York
Charter: Credit Union
Assets: $10.8B
Fed district: New York
Regulator: NCUA

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Esl Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Esl Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 1, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Esl Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $3.6M in Q2 2026, 19% above the same quarter a year earlier ($3.1M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Esl Federal Credit Union: $5
Esl Federal Credit Union: $5
U.S. median: no median
NSF / Returned Item
Esl Federal Credit Union: $10
Esl Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Esl Federal Credit Union: $2.50
Esl Federal Credit Union: $2.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New York, the New York district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New York: Banks and credit unions headquartered in New York that publish the fee.
New York district: Banks and credit unions headquartered in the New York Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 6.0% from Q3 2025 to Q2 2026, to $3.6M.

Fee income, Q2 2026

$3.6M

$3.4MQ3 2025

$3.4MQ4 2025

$3.7MQ1 2026

$3.6MQ2 2026

Against the median

Esl Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Esl Federal Credit Union · $10.8B in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 15 states.

Credit unions only
$8B to $13B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Esl Federal Credit Union(this institution)	Rochester, NY	$10.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Bellco Federal Credit Union	Greenwood Village, CO	$8.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Broadview Federal Credit Union	Albany, NY	$9.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Delta Community Federal Credit Union	Atlanta, GA	$9.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Desert Financial Federal Credit Union	Phoenix, AZ	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dfcu Financial Federal Credit Union	Dearborn, MI	$8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Eastman Federal Credit Union	Kingsport, TN	$10.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Global Federal Credit Union	Anchorage, AK	$13B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Greenstate Federal Credit Union	North Liberty, IA	$10.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Logix Federal Credit Union	Valencia, CA	$9.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Members 1St Federal Credit Union	Enola, PA	$8.7B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Michigan State University Federal Credit Union	East Lansing, MI	$8.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Midflorida Federal Credit Union	Lakeland, FL	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Onpoint Community Federal Credit Union	Portland, OR	$9.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Patelco Federal Credit Union	Dublin, CA	$9.8B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Pennsylvania State Employees Federal Credit Union	Harrisburg, PA	$9.7B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Redstone Federal Credit Union	Huntsville, AL	$8.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Redwood Credit Union	Santa Rosa, CA	$10.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
San Diego County Federal Credit Union	San Diego, CA	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Space Coast Federal Credit Union	Melbourne, FL	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Star One Federal Credit Union	Sunnyvale, CA	$9.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Summit Federal Credit Union	Madison, WI	$8.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Teachers Federal Credit Union	Smithtown, NY	$9.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
United Nations Federal Credit Union	Long Island City, NY	$10.7B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Veridian Federal Credit Union	Waterloo, IA	$9.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Wright-Patt Credit Union, Inc.	Beavercreek, OH	$9.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Esl Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $7.45 among 15 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.

Monthly maintenance fee in dollars, one mark per institution

Esl Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Esl Federal Credit UnionPeer (equal prices stack)Peer median

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Esl Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $3.6M
vs prior quarter: −$21K−0.6%; from Q1 2026
vs a year earlier: +$574K+18.7%; from Q2 2025
vs start of range: +$839K+29.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Esl Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$3.6M	−$21K	−0.6%
Q1 2026	$3.7M	+$224K	+6.5%
Q4 2025	$3.4M	+$2K	+0.1%
Q3 2025	$3.4M	+$369K	+12.0%
Q2 2025	$3.1M	−$80K	−2.5%
Q1 2025	$3.2M	+$347K	+12.4%
Q4 2024	$2.8M	−$2K	−0.1%
Q3 2024	$2.8M	+$211K	+8.1%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Esl Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Low Balance/Inactivity Fee$5
per month
Research Fee (Minimum per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Courtesy Pay Overdraft Fee$5
Returned Item Fee$10
CheckOK (Overdraft from Savings)$5

ATM & Card

ATM Withdrawals at Non-ESL ATMs1$2.50
Non-ESL Owned ATMs$2.50
per transaction
Rush Order$15
per item
International Service Assessment1%of the transaction

Wire Transfers

Wire Transfer: Incoming Domestic & Foreign$15

Check Services

Certified Check$5
per item
Money Order (for amounts of $2,000 or less)$0.75
Stop PaymentsNo charge

Digital & Electronic

ESL Online Bill Pay (via ESL Online Banking) (audience not stated, treated as personal)No charge
Zelle®No charge

Account Services

Safe Deposit Box 10” x 10”$120
Safe Deposit Box 3” x 10”$80
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)$50
Safe Deposit Box 3” x 6”$50
Safe Deposit Box 4” x 6”$70
Safe Deposit Box 5” x 10”$90
Safe Deposit Box 5” x 11”$90
Safe Deposit Boxes Annual Rental: 2” x 5”$50
per year

Retirement & IRA

IRA Transfer to External Account$25

Other Fees

Overnight Mail Service$6.50
Account Statement CopyNo charge
Copies of Deposited or Cashed Non-ESL ChecksNo charge

Fee	Amount	Basis	Note
Account Maintenance
Low Balance/Inactivity Fee	$5	per month	None
Research Fee (Minimum per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Courtesy Pay Overdraft Fee	$5	Not stated	None
Returned Item Fee	$10	Not stated	None
CheckOK (Overdraft from Savings)	$5	Not stated	None
ATM & Card
ATM Withdrawals at Non-ESL ATMs1	$2.50	Not stated	None
Non-ESL Owned ATMs	$2.50	per transaction	None
Rush Order	$15	per item	None
International Service Assessment	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer: Incoming Domestic & Foreign	$15	Not stated	None
Check Services
Certified Check	$5	per item	None
Money Order (for amounts of $2,000 or less)	$0.75	Not stated	None
Stop Payments	No charge	Not stated	None
Digital & Electronic
ESL Online Bill Pay (via ESL Online Banking) (audience not stated, treated as personal)	No charge	Not stated	None
Zelle®	No charge	Not stated	None
Account Services
Safe Deposit Box 10” x 10”	$120	Not stated	None
Safe Deposit Box 3” x 10”	$80	Not stated	None
Safe Deposit Box 3” x 5” (audience not stated, treated as personal)	$50	Not stated	None
Safe Deposit Box 3” x 6”	$50	Not stated	None
Safe Deposit Box 4” x 6”	$70	Not stated	None
Safe Deposit Box 5” x 10”	$90	Not stated	None
Safe Deposit Box 5” x 11”	$90	Not stated	None
Safe Deposit Boxes Annual Rental: 2” x 5”	$50	per year	None
Retirement & IRA
IRA Transfer to External Account	$25	Not stated	None
Other Fees
Overnight Mail Service	$6.50	Not stated	None
Account Statement Copy	No charge	Not stated	None
Copies of Deposited or Cashed Non-ESL Checks	No charge	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 1, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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