Credit Union of Emporia

EMPORIA, KS · 2 · Charter #63319 · www.cuofe.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$38.7M
88th percentile
Members
3,855
93th percentile
Total loans
$12.3M
72th percentile
Total shares
$32.3M
88th percentile

Profitability

Return on assets
1.49%
78th percentile
Net interest margin
3.26%
26th percentile
Efficiency ratio
47.10%
86th percentile
Non-interest income ratio
7.66%
44th percentile

Capital & Risk

Net worth ratio
15.88%
56th percentile
Delinquency rate
1.29%
35th percentile
Net charge-off rate
0.35%
41th percentile
Loan-to-share
38.19%
20th percentile

Growth

Member growth YoY
12.82%
97th percentile
Asset growth YoY
6.31%
81th percentile
Loan growth YoY
1.16%
67th percentile
Share growth YoY
5.22%
76th percentile

Operations

Members / branch
3,855
97th percentile
Assets / member
$10,037
56th percentile
Field of membership penetration
9.64%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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