SBA lender profile
ESL FCU
ESL FCU appears in the public SBA loan data with 399 funded 7(a) loans totaling $54.2M, an average of $136K per loan, and an estimated 2,426 jobs supported. Its SBA lending concentrates in New York and the Construction sector. Across all of its loans in the data, its charge-off rate is 0.3%.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, as of 2026-03-31
Funded loans
399
Total volume
$54.2M
Average loan size
$136K
Charge-off rate
0.3%
Share of funded loans charged off
Jobs supported (reported)
2,426
Programs
7(a)
Where ESL FCU lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| New York | 399 | $54.2M |
What ESL FCU funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Construction | 69 | $8.9M |
| Other Services | 57 | $5.8M |
| Retail Trade | 46 | $5.1M |
| Wholesale Trade | 18 | $4.9M |
| Accommodation and Food Services | 36 | $4.6M |
| Health Care and Social Assistance | 27 | $4.6M |
ESL FCU SBA lending by year
| Fiscal year | Loans | Total volume |
|---|---|---|
| 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 |
Sources and disclaimer. All figures are computed from
the U.S. Small Business Administration's public FOIA 7(a) and 504 loan data (as of 2026-03-31),
as described in our methodology.
The charge-off rate is the share of ESL FCU's funded loans marked charged off across all of its
loans in the data; it is not a lifetime default rate. SBA Loan Index is not affiliated with the
SBA and is not a lender, broker, or financial advisor. This is general information, not advice.
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