SBA lender profile
ESL FCU
ESL FCU appears in the public SBA loan data with 871 funded 7(a) loans since FY2010, totaling $92.7M, an average of $106K per loan, and an estimated 4,550 jobs supported. Its SBA lending concentrates in New York and the Manufacturing sector. Across its 7(a) loans, the charge-off rate is 3.0%. 24.0% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 73
- Scale 80
- Activity 77
- Consistency 81
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is ESL FCU the right lender for you?
Lenders fund what they know. ESL FCU's SBA lending concentrates in New York (871 loans) and Manufacturing (72 loans), at an average loan of $106K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where ESL FCU lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 871 | $92.7M |
Metro areas where ESL FCU funds
What ESL FCU funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Manufacturing | 72 | $15.6M |
| Construction | 153 | $13.1M |
| Other Services | 108 | $9.2M |
| Health Care and Social Assistance | 50 | $9.0M |
| Retail Trade | 93 | $8.5M |
| Accommodation and Food Services | 74 | $6.9M |
ESL FCU SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2011 | 1 | $65K |
| 2012 | 1 | $100K |
| 2013 | 3 | $385K |
| 2014 | 28 | $4.4M |
| 2015 | 36 | $4.8M |
| 2016 | 75 | $6.8M |
| 2017 | 127 | $8.2M |
| 2018 | 140 | $8.2M |
| 2019 | 61 | $5.5M |
| 2020 | 32 | $4.7M |
| 2021 | 32 | $7.6M |
| 2022 | 49 | $6.0M |
| 2023 | 46 | $7.2M |
| 2024 | 105 | $14.2M |
| 2025 | 95 | $11.3M |
| 2026 | 40 | $3.1M |
Related SBA lenders
Other lenders active in New York or in Manufacturing.
Comparing lenders? See how to choose an SBA lender by track record.
ESL FCU: frequently asked questions
Does ESL FCU offer SBA loans?
Yes. ESL FCU appears in the public SBA data with 871 funded SBA 7(a) loans totaling $92.7M.
How many SBA loans has ESL FCU made?
ESL FCU is associated with 871 SBA 7(a) loans totaling $92.7M in the public SBA data (as of 2026-03-31).
What is ESL FCU's SBA charge-off rate?
About 3.0% of ESL FCU's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does ESL FCU do most of its SBA lending?
ESL FCU's SBA lending in the data is most concentrated in New York, and by industry in Manufacturing.
Is ESL FCU an SBA Preferred Lender (PLP)?
The loan record shows ESL FCU operating under PLP delegated authority: 209 of its 7(a) loans (24.0%) were processed through the Preferred Lenders Program, including 74 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). ESL FCU SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/esl-fcu/
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