EMPORIA STATE Credit Union Profile

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EMPORIA STATE

Charter #2227 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (620) 342-2336

Fax: (620) 343-7273

Founding Date: N/A

Website: https://www.esfcu.com

Personnel & Operations

President: Dody, Aron

Manager: Miller, Angela

FT Employees: 26

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 34

Branches: 2

Hours: 8:30AM - 5:30PM M-F; SAT 8:30AM - NOON

Credit Union Profile Summary

EMPORIA STATE is a FCU Credit Union. With a total of 8,066 members [1], this institution manages approximately $136,256,087 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.34% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 6.52% [1].

Financial Snapshot

Total Assets [1]
$136,256,087

Total economic resources.

Total Loans [1]
$88,835,039

Total value of outstanding loans.

Total Deposits [1]
$121,627,243

Total funds deposited by members.

Members [1]
8,066

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.34%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.93%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
73.04%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.78%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 6.52%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.59%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

310 W 12TH AVE

EMPORIA, KS, 66801
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by EMPORIA STATE (Charter #2227).

Main Office

ESFCU - Main Branch Main Office

Type: Corporate Office

310 W 12th Ave

Emporia, KS 66801

Phone: (620) 342-2336

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Emporia

Branch - 2332 Industrial

Type: Branch Office

2332 Industrial Rd

Emporia, KS 66801

Phone: (620) 342-0318

Services: Member Services, ATM, Drive-Thru

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