EMPORIA STATE
Federal • Emporia, Kansas • Est. 1937
Quick Facts
- Charter Number
- #2227
- Type
- Federal
- Established
- 1937
- Headquarters
- Emporia, Kansas 66801
- Address
- 310 W 12th Ave
- Branches
- 2
- ATMs
- 2
- Members
- 8,166
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
8,166 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPORIA STATE |
|---|---|
| Total Assets | $142.8M |
| Members | 8,166 |
| Loans Outstanding | $90.8M |
| Shares & Deposits | $127.2M |
| Net Worth | $15.2M |
| Net Worth Ratio | 10.61% |
| Loan-to-Share Ratio | 71.3% |
| Delinquency Rate | 0.22% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
ESFCU - Main Branch
Main Office310 W 12th Ave
Emporia, KS 66801
Branch - 2332 Industrial
2332 Industrial Rd
Emporia, KS 66801
Who Can Join EMPORIA STATE?
Membership Type: Community
Membership eligibility for EMPORIA STATE may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMPORIA STATE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Kansas
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Kansas RankingsFrequently Asked Questions
EMPORIA STATE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMPORIA STATE has 8,166 members and a potential membership field of 50,000 people.
EMPORIA STATE's reported net worth ratio is 10.61% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
EMPORIA STATE operates 2 branch locations and has access to 2 ATMs. The main office is located at 310 W 12th Ave, Emporia, KS 66801.
EMPORIA STATE was established in 1937. It is a federal credit union chartered under charter number 2227. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMPORIA STATE. All financial data is for informational purposes only.