EMPORIA STATE

EMPORIA STATE is a federal credit union headquartered in EMPORIA, Kansas, serving 8,141 members with $139.7M in total assets and $91.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 10.39% — above the 7.0% threshold the NCUA uses to classify a credit union as "well capitalized" under Prompt Corrective Action rules. Charter #2227 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.

Loan book quality and earnings power round out the picture. The delinquency rate of 0.47% measures loans 60+ days past due against total loans outstanding — the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets comes in at 0.00%, reflecting the not-for-profit cooperative model where surplus earnings flow back to members as better rates and lower fees rather than to shareholders. The loan-to-share ratio of 73.16% indicates how aggressively member deposits are being deployed into lending — within the 60–80% range most industry analysts consider optimally balanced between yield and liquidity.

Every deposit account at EMPORIA STATE is federally insured by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000 per depositor, per ownership category — identical coverage to FDIC insurance at banks. Year-over-year membership changed by 1.78%, and the institution reports against the NCUA 5300 Call Report on a quarterly cadence, so the figures above reflect the 2025Q4 reporting period. This page is informational only and is not a recommendation, solicitation, or financial advice; credit union performance can change materially quarter to quarter, membership eligibility depends on the stated field of membership (currently: Community), and current deposit and loan rates should be verified directly with EMPORIA STATE before opening any account or borrowing.