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ESL

Headquarters ,
Main Phone (585) 336-1000
Credit Union Number # 24563
Total Assets $9,108,379,648
Reporting Date Q3 2023
Last updated Sep 2023

Locations

ESL REO and Foreclosed Assets

Foreclosed and Repossessed Assets Amount
Consumer Real Estate $178,547
Consumer Vehicles $3,014,727
Consumer Other $17,037
Commercial $0
Total Foreclosed and Repossessed Assets $3,210,311

ESL Capital

Well Capitalized Amount
Total Assets $9,108,379,648
Less: Allowance for Loan & Lease Losses $0
Allowance for Losses on All Real Estate Loans $0
Provision for Loan & Lease Losses $0
Total Loans and Leases $3,641,261,824

ESL's Late and Non-Performing Loan Portfolios

Troubled Loans Overview Number Amount
Loans Held for Sale - $7,324,387
Real Estate Loans Sold with Servicing Retained - $1,296,603,392
Total Outstanding Troubled Debt Restructured Loans 196 $3,150,983

Unsecured Credit Cards

30-59 days late
$1,207,951
60-89 days late
$711,939
90-179 days late
$299,411
180-360 days late
$41,102
360+ days late
$260,107
TOTAL
$2,520,510

Payday Alternative

30-59 days late
$159,738
60-89 days late
$101,823
90-179 days late
$112,966
180-360 days late
$1,394
360+ days late
$1,561
TOTAL
$377,482

Vehicles

New Vehicles

30-59 days late
$8,991,392
60-89 days late
$1,577,444
90-179 days late
$467,651
180-360 days late
$11,524
360+ days late
$96,177
TOTAL
$11,144,188

Old Vehicles

30-59 days late
$24,525,140
60-89 days late
$5,972,909
90-179 days late
$2,524,476
180-360 days late
$105,249
360+ days late
$187,108
TOTAL
$33,314,882

1st Lien (Previously 1st Mortgage)

1st Lien (Previously 1st Mortgage)

30-59 days late
$5,805,842
60-89 days late
$1,325,232
90-179 days late
$2,254,062
180-360 days late
$1,733,558
360+ days late
$2,122,500
TOTAL
$13,241,194

1st Lien Loans || Rate Types and Terms

Fixed Rate > 15 years
$55,363,508
Fixed Rate <= 15 years
$385,307,089
Balloon / Hybrid > 5 years
$5,496,207
Balloon / Hybrid <= 5 years
$0
Adjustable Rate <= 15 years
$408,105,952
TOTAL
$854,272,756

Junior Liens (Previously Junior RE)

30-59 days late
$3,013,243
60-89 days late
$1,356,619
90-179 days late
$1,124,578
180-360 days late
$443,626
360+ days late
$544,775
TOTAL
$6,482,841

All Other Loans

All Other Non-Real Estate Loans

30-59 days late
$254,001
60-89 days late
$21,439
90-179 days late
$42,569
180-360 days late
$312
360+ days late
$1,024
TOTAL
$319,345

All Other Unsecured Loans

30-59 days late
$1,338,170
60-89 days late
$825,194
90-179 days late
$670,481
180-360 days late
$52,652
360+ days late
$292,196
TOTAL
$3,178,693

Commercial Real Estate

Secured by Non-Owner Occupied Property Loans

30-59 days late
$0
60-89 days late
$303,839
90-179 days late
$0
180-360 days late
$0
360+ days late
$0
TOTAL
$303,839

Business Loans

Unsecured Commercial Loans

30-59 days late
$0
60-89 days late
$0
90-179 days late
$101,581
180-360 days late
$0
360+ days late
$0
TOTAL
$101,581

Unsecured Revolving LOC Loans

30-59 days late
$25,656
60-89 days late
$13,840
90-179 days late
$34,901
180-360 days late
$0
360+ days late
$0
TOTAL
$74,397

ESL Portfolio Info

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ESL NCUA Call Report

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ESL Foreclosures and Non-Performing Loans

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