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
- CHARTER 87/100
- NCUSIF 15.1%
- CAMELS 1.29%
- HEALTH 1.25%
- NW $38.7M
- DELQ 3,855
- ROA #1,597/4,374
- ASSETS Detour Drummond Community
- MEM 63319
Call Report peers
Credit Union of Emporia in the assets neighbourhood
Credit Union of Emporia's $38.7M assets sit next to Detour Drummond Community ($38.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Credit Union of Emporia Call Report trajectory
Credit Union of Emporia: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.2% from $38.7M (2025Q4) to $41.5M (2026Q1).
- Net-worth ratio shifted -0.74 pp (15.88% → 15.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Credit Union of Emporia's nationwide photo peers by assets and by health score, excluding Kansas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($38.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Credit Union of Emporia financially healthy?
A 15.14% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,597 of 4,374; by total assets it ranks #2,636 of 4,374 nationally (same basis as /rankings/largest); and #30 of 61 within Kansas. 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 15.14% 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.
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.