Lenders › ESL FCU
7(a) lenderRochester, New Yorkcredit union116th of 2,184 by approvals
ESL FCU
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
In FY2021 to FY2025 SBA approved 327 7(a) loans, worth $46.4M, through ESL FCU of Rochester, New York, a credit union in the SBA 7(a) program. By number of approvals that is 116th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 95 approvals totalling $11.3M, down 10% on FY2024 (105). FY2026 to 30 Jun 2026 adds 59 more.
The median approval was $61K, against $190K for the 7(a) program as a whole; 77.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 1 state or territory and 10 counties, led by New York (100.0%). The largest industry group was construction at 17.1% of approvals, and 3.1% of approvals were to franchise businesses.
Of 496 disbursed loans approved in FY2010 to FY2021, SBA records 27 as charged off (5.4%), 427 as paid in full and 42 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 59 | $5.3M | $50K | $90K | 300 |
| FY2025 | 95 | $11.3M | $50K | $119K | 614 |
| FY2024 | 105 | $14.2M | $50K | $135K | 625 |
| FY2023 | 46 | $7.2M | $93K | $157K | 290 |
| FY2022 | 49 | $6.0M | $63K | $123K | 324 |
| FY2021 | 32 | $7.6M | $100K | $238K | 279 |
| FY2020 | 32 | $4.7M | $50K | $147K | 100 |
| FY2019 | 61 | $5.5M | $45K | $91K | 240 |
| FY2018 | 140 | $8.2M | $25K | $59K | 300 |
| FY2017 | 127 | $8.2M | $20K | $64K | 502 |
| FY2016 | 75 | $6.8M | $40K | $91K | 383 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 435 approvals. First approval on file: FY2011.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | New York | 7(a) program |
|---|---|---|---|
| Approvals in these years | 536 | 39,899 | 639,905 |
| Cancelled or never disbursed | 40 | 5,223 | 79,313 |
| Disbursed loans | 496 | 34,676 | 560,592 |
| Paid in full | 427 | 26,873 | 435,813 |
| Charged off | 27 | 2,802 | 36,891 |
| Still outstanding (status exempt from disclosure) | 42 | 5,001 | 87,888 |
| Charged off, share of disbursed loans | 5.4% | 8.1% | 6.6% |
| Dollars charged off, share of disbursed dollars | 1.8% | 3.2% | 2.5% |
| Dollars charged off | $882K | $312M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 29 | 14 | 0 | — | 2.8% |
| FY2020 | 27 | 20 | 0 | — | 4.0% |
| FY2019 | 57 | 50 | 1 | 1.8% | 6.7% |
| FY2018 | 126 | 114 | 6 | 4.8% | 7.9% |
| FY2017 | 120 | 107 | 10 | 8.3% | 7.7% |
| FY2016 | 74 | 64 | 8 | 10.8% | 7.2% |
| FY2015 | 34 | 32 | 1 | 2.9% | 6.9% |
| FY2014 | 27 | 25 | 1 | — | 6.4% |
| FY2013 | 1 | 0 | 0 | — | 6.0% |
| FY2012 | 1 | 1 | 0 | — | 6.3% |
| FY2011 | 0 | 0 | 0 | — | 6.9% |
| FY2010 | 0 | 0 | 0 | — | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $61K | $190K |
| Average approval | $142K | $518K |
| Approvals of $150,000 or less | 77.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 36.1% | 34.3% |
| Approvals to franchise businesses | 3.1% | 11.5% |
| Jobs supported per approval, as reported | 6.5 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.4% | 6.6% |
States served
| # | State of the business (1 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | New York | 327 | $46.4M | 100.0% |
In New York the lender accounts for 1.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (10 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Monroe County, NY | 245 | $32.7M | 74.9% | |
| 2 | Ontario County, NY | 30 | $3.6M | 9.2% | |
| 3 | Orleans County, NY | 16 | $4.1M | 4.9% | |
| 4 | Wayne County, NY | 13 | $2.7M | 4.0% | |
| 5 | Genesee County, NY | 8 | $320K | 2.4% | |
| 6 | Livingston County, NY | 7 | $915K | 2.1% | |
| 7 | Niagara County, NY | 3 | $890K | 0.9% | |
| 8 | Steuben County, NY | 2 | — | 0.6% | |
| 9 | Erie County, NY | 2 | — | 0.6% | |
| 10 | Seneca County, NY | 1 | — | 0.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 56 | 17.1% | |
| 2 | Other Services (except Public Administration) | 47 | 14.4% | |
| 3 | Retail Trade | 41 | 12.5% | |
| 4 | Accommodation and Food Services | 28 | 8.6% | |
| 5 | Transportation and Warehousing | 27 | 8.3% | |
| 6 | Health Care and Social Assistance | 23 | 7.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 23 | 7.0% | |
| 8 | Professional, Scientific, and Technical Services | 21 | 6.4% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 7.0% | |
| 2 | Building Finishing ContractorsNAICS 2383 | 16 | 4.9% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 15 | 4.6% | |
| 4 | Personal Care ServicesNAICS 8121 | 13 | 4.0% | |
| 5 | General Freight TruckingNAICS 4841 | 13 | 4.0% | |
| 6 | Other Personal ServicesNAICS 8129 | 12 | 3.7% | |
| 7 | Grocery StoresNAICS 4451 | 12 | 3.7% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 11 | 3.4% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 11 | 3.4% | |
| 10 | Residential Building ConstructionNAICS 2361 | 11 | 3.4% |
Approval sizes
- $50,000 or less47.7%156
- $50,001 to $150,00029.7%97
- $150,001 to $350,00014.1%46
- $350,001 to $1 million8.0%26
- $1 million to $2 million0.3%1
- Over $2 million0.3%1
Loan terms
- 5 years or less14.1%46
- Over 5 to 10 years81.7%267
- Over 10 to 20 years3.7%12
- Over 20 years0.6%2
Age of the businesses
- Existing, more than 2 years old62.1%203
- New business, 2 years or less23.5%77
- Startup, loan funds will open the business12.5%41
- Change of ownership1.8%6
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | SBA Express Program | 217 | 66.4% | |
| 2 | Preferred Lenders Program | 106 | 32.4% | |
| 3 | 7a General | 3 | 0.9% | |
| 4 | Contract CAPLine | 1 | 0.3% |
Franchise share
10 of 327 approvals in FY2021–FY2025 (3.1%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Subway | 4 | 1.2% | |
| 2 | The Junkluggers | 3 | 0.9% | |
| 3 | Closets by Design | 2 | 0.6% | |
| 4 | Woofie's | 1 | 0.3% |
Questions and answers
How many SBA loans does ESL FCU make?
SBA approved 95 7(a) loans through ESL FCU in FY2025, worth $11.3M, and 327 over FY2021 to FY2025. That ranks 116th of 2,184 active 7(a) lenders by number of approvals.
How large are ESL FCU's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $61K and the average $142K. The program-wide median was $190K.
What is ESL FCU's charge-off rate?
Of 496 disbursed loans approved in FY2010 to FY2021, SBA records 27 as charged off (5.4%), 427 as paid in full and 42 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does ESL FCU lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (23); building finishing contractors (16); services to buildings and dwellings (15); personal care services (13).
Where does ESL FCU make SBA loans?
In 1 state or territory. New York 327. In New York it accounts for 1.7% of all 7(a) approvals.
Is ESL FCU's SBA lending rising?
Approvals in the three latest complete fiscal years total 246, against 113 in the three before: rising (+118%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error