Federal credit union · EMPORIA, Kansas · NCUA charter #2227
Emporia State
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $139.7M
- Total assets
- 8,141
- Members
- 10.6%
- Net-worth ratio
Emporia State scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $139.7M; members 8,141; net-worth ratio 10.61%; health rank #663 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#663 of 4,374 health · 2025Q4Emporia State · health 93/100 · $139.7M · 2025Q4
Call Report peers
Emporia State in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Emporia State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Emporia State sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Emporia State
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +0.96 pp (73.16% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.50 pp (10.61% vs 12.11%).
Kansas standing for Emporia State
- Health composite ranks #6 of 61 among scored Kansas credit unions.
- Kansas assets place: #14 of 61.
- Kansas membership ordinal: #18 of 61.
- One place up in Kansas, Credit Union of America (#5) ties at 93/100; one place down, Midwest Regional (#7) scores 92/100, 1 point lower.
Emporia State Call Report trajectory
Emporia State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $139.7M (2025Q4) to $142.8M (2026Q1).
- Net-worth ratio shifted +0.03 pp (10.58% → 10.61%).
This credit union's 10.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Emporia State gives up 7 points in total. Member Growth costs the most, 3.9 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.6 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 15.3 pts
Call Report ratios for Emporia State
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.61% | -1.50 pp |
| Delinquency Rate | 0.47% | -0.42 pp |
| Return on Assets | 0.27% | -0.35 pp |
| Member Growth | 1.78% | - |
| Loan-to-Share Ratio | 73.16% | +0.96 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $142.8M | - |
| 2025Q4 | $139.7M | 8,141 |
| 2024Q4 | $137.1M | 7,999 |
| 2023Q4 | $130.7M | 7,873 |
Credit Union Details
- Charter Number
- 2227
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Kansas
- City
- EMPORIA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Emporia State.
| Office | City |
|---|---|
| ESFCU - Main Branch (Main Office) | Emporia, KS |
| Branch - 2332 Industrial | Emporia, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
More federally-insured credit unions based in Kansas, ordered by peer group match and asset size.
Other-state peers near Emporia State
Using this data
- Emporia State ranks #663 of 4,374 nationally on financial health and #6 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kansas State University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kansas State University
Frequently Asked Questions
Is Emporia State financially healthy?
Emporia State has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #663 of 4,374 nationally on health and #6 of 61 in Kansas. Its net worth ratio is 10.61% and its delinquency rate 0.47%.
How does Emporia State compare to other credit unions?
Emporia State scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (73.16% vs 72.20%). Its widest shortfall is net worth ratio (10.61% vs 12.11%).
How can I join Emporia State?
Emporia State operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Emporia State directly for the exact boundaries and application steps.
Is my money safe at Emporia State?
Emporia State is a federal 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. Emporia State's net worth ratio of 10.61% 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.