State credit union · EMPORIA, Kansas · NCUA charter #63319
Credit Union of Emporia
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $38.7M
- Total assets
- 3,855
- Members
- 15.1%
- Net-worth ratio
Credit Union of Emporia scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $38.7M; members 3,855; net-worth ratio 15.14%; health rank #1,597 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,597 of 4,374 health · 2025Q4Credit Union of Emporia · health 87/100 · $38.7M · 2025Q4
Call Report peers
Credit Union of Emporia in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Credit Union of Emporia vs every NCUA-scored credit union
Credit Union of Emporia sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Credit Union of Emporia vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Return on Assets: +0.54 pp (1.25% vs 0.70%).
- Largest lag: Loan-to-Share Ratio at 38.19% vs peer 59.80% (-21.61 pp).
Credit Union of Emporia: in-state Call Report ranks
- Health composite ranks #15 of 61 among scored Kansas credit unions.
- Kansas assets place: #30 of 61.
- Membership ranks #25 of 61 among Kansas CUs with a reported count (3,855 members).
- One place up in Kansas, SM (#14) ties at 87/100; one place down, MORTON (#16) ties at 87/100.
Credit Union of Emporia Call Report trajectory
Credit Union of Emporia: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.2% from $38.7M (2025Q4) to $41.5M (2026Q1).
- Net-worth ratio shifted -0.74 pp (15.88% → 15.14%).
This credit union's 15.14% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Credit Union of Emporia gives up 13 points in total. Delinquency Rate costs the most, 7.2 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 9.2 pts
Credit Union of Emporia health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.14% | +0.28 pp |
| Delinquency Rate | 1.29% | +0.15 pp |
| Return on Assets | 1.25% | +0.54 pp |
| Member Growth | 12.82% | - |
| Loan-to-Share Ratio | 38.19% | -21.61 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Credit Union of Emporia filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $41.5M | - |
| 2025Q4 | $38.7M | 3,855 |
| 2024Q4 | $36.4M | 3,417 |
| 2023Q4 | $35.3M | 3,370 |
Credit Union Details
- Charter Number
- 63319
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Kansas
- City
- EMPORIA
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Credit Union of Emporia.
| Office | City |
|---|---|
| CREDIT UNION OF EMPORIA (Main Office) | EMPORIA, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Other-state peers near Credit Union of Emporia
Similar total assets
Using this data
- Credit Union of Emporia ranks #1,597 of 4,374 nationally on financial health and #15 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Catholic Family is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Catholic Family
Frequently Asked Questions
Is Credit Union of Emporia financially healthy?
Credit Union of Emporia has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,597 of 4,374 nationally on health and #15 of 61 in Kansas. Its net worth ratio is 15.14% and its delinquency rate 1.29%.
How does Credit Union of Emporia compare to other credit unions?
Credit Union of Emporia scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.25% vs 0.70%). Its widest shortfall is loan-to-share ratio (38.19% vs 59.80%).
How can I join Credit Union of Emporia?
Membership eligibility for Credit Union of Emporia depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Credit Union of Emporia directly for current membership requirements and application steps.
Is my money safe at Credit Union of Emporia?
Credit Union of Emporia is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Credit Union of Emporia's net worth ratio of 15.14% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.