State credit union · EMPORIA, Kansas · NCUA charter #63319
Credit Union of Emporia
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $38.7M
- Total assets
- 3,855
- Members
- 15.9%
- Net-worth ratio
Credit Union of Emporia - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63319, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Credit Union of Emporia - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)71
- Earnings (ROA)100
- Member growth100
- Liquidity (loan-to-share)63
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.88% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.88% | 30% |
| Delinquency Rate | 1.29% | 25% |
| Return on Assets | 1.25% | 15% |
| Member Growth | 12.82% | 15% |
| Loan-to-Share Ratio | 38.19% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Credit Union of Emporia
3,855 members and $38.7M in total assets sit behind Credit Union of Emporia, a state credit union in EMPORIA, Kansas, which posts a health score of 87/100 (Excellent) on the five-factor composite, with $12.3M in outstanding loans as of Q4 2025 and a net worth ratio of 15.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63319 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
1.29% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 38.19% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.25% on net income of $483K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 12.82%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Credit Union of Emporia financially healthy?
A 15.88% net worth ratio and a 1.29% delinquency rate feed into Credit Union of Emporia's financial health score of 87/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Credit Union of Emporia compare to other credit unions?
On PlainCU's health composite, Credit Union of Emporia lands at 87/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Credit Union of Emporia are 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 15.88% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Credit Union of Emporia offer compared to banks?
Credit unions like Credit Union of Emporia are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Credit Union of Emporia directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.