ESL Federal Credit Union SBA Express Loans
ESL Federal Credit Union made 105 SBA Express loans in FY2025 and FY2026 through June 30, 2026, worth $8.1 million. That ranks it number 27 of 812 lenders by loan count, according to SBA's own loan-level data.
What SBA's data shows about ESL Federal Credit Union
- 91.4% of ESL Federal Credit Union's SBA Express loans were lines of credit, more than the 75.6% share across all lenders in the same period.
- Its median loan was $50,000, in line with the $50,000 median across all lenders. 25.7% of its loans were $100,000 or more, against 36.1% across all lenders.
- By borrower: 63.8% went to businesses more than two years old, 1% financed a change of ownership, and 10.5% went to brand-new businesses.
- Its SBA Express lending is regional: 100% of loans went to New York businesses.
Loan sizes
| Amount | Count | Share |
|---|---|---|
| $25,000 or less | 24 | 22.9% |
| $25,001 to $50,000 | 41 | 39% |
| $50,001 to $100,000 | 25 | 23.8% |
| $100,001 to $150,000 | 5 | 4.8% |
| $150,001 to $250,000 | 5 | 4.8% |
| $250,001 to $350,000 | 4 | 3.8% |
| $350,001 to $500,000 | 1 | 1% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Window: FY2025 and FY2026 through June 30, 2026.
Where ESL Federal Credit Union makes SBA Express loans
| State | Loans | Share |
|---|---|---|
| New York | 105 | 100% |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. State is where the borrower's business is.
Industries
| Industry | Loans |
|---|---|
| Child Care Services | 5 |
| Residential Remodelers | 5 |
| All Other General Merchandise Retailers | 4 |
| Full-Service Restaurants | 4 |
| General Freight Trucking, Local | 4 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September.
SBA Express loans by year
| Fiscal year | Loans made |
|---|---|
| FY2020 | 24 |
| FY2021 | 18 |
| FY2022 | 26 |
| FY2023 | 28 |
| FY2024 | 69 |
| FY2025 | 68 |
| FY2026 (through June 30, 2026) | 37 |
Source: SBA 7(a) FOIA loan-level data, as of June 30, 2026. Loans SBA approved and later cancelled are excluded. Fiscal years run October through September. Every year since FY2020, same counting rules.
If you are considering ESL Federal Credit Union
ESL Federal Credit Union sets its own rates, fees and credit standards, inside SBA's caps for SBA Express (see loan terms and requirements). The figures above show what it has approved, not what it will approve next. To compare more than one lender at once, tell us what your business needs.
Lenders with similar SBA Express volume: PlainsCapital Bank, Beacon Bank and Trust, BankNewport, Rockland Trust Company, Sound Credit Union. See the full lender list or program statistics.
Lender: ESL Federal Credit Union (legal name on SBA's file: ESL FCU), Rochester, NY, as listed on SBA's loan records. sbaexpress.loans is not a lender and is not affiliated with the U.S. Small Business Administration or with any lender named here. Figures describe loans SBA has already approved. They are not a lender's current credit policy, an offer, or a rate quote.
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