Emporia State

EMPORIA, KS · 1 · Charter #2227 · www.esfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$139.7M
68th percentile
Members
8,141
55th percentile
Total loans
$91.0M
71th percentile
Total shares
$124.4M
71th percentile

Profitability

Return on assets
0.99%
47th percentile
Net interest margin
2.80%
11th percentile
Efficiency ratio
53.07%
78th percentile
Non-interest income ratio
17.99%
55th percentile

Capital & Risk

Net worth ratio
10.58%
30th percentile
Delinquency rate
0.47%
68th percentile
Net charge-off rate
0.03%
93th percentile
Loan-to-share
73.16%
60th percentile

Growth

Member growth YoY
1.78%
77th percentile
Asset growth YoY
1.90%
34th percentile
Loan growth YoY
6.56%
77th percentile
Share growth YoY
1.03%
30th percentile

Operations

Members / branch
4,071
71th percentile
Assets / member
$17,156
71th percentile
Field of membership penetration
16.28%
67th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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