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
- 8,141
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
8,141 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPORIA STATE |
|---|---|
| Total Assets | $139.7M |
| Members | 8,141 |
| Loans Outstanding | $91.0M |
| Shares & Deposits | $124.4M |
| Net Worth | $14.8M |
| Net Worth Ratio | 10.58% |
| Loan-to-Share Ratio | 73.2% |
| Delinquency Rate | 0.47% |
| Net Income | +$1,384,952 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Kansas RankingsFrequently Asked Questions
Yes. EMPORIA STATE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMPORIA STATE has 8,141 members and a potential membership field of 50,000 people.
EMPORIA STATE's net worth ratio is 10.58% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, EMPORIA STATE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMPORIA STATE. All financial data is for informational purposes only.