Emporia State Federal Credit Union is a federal credit union headquartered in Emporia, Kansas, in business for about 89 years. At the end of Q2 2026 it reported $146.5M in total assets and $130.3M in member shares and deposits, with 2 offices.
Emporia State Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 66% of its 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Kansas, it ranks 25th. Problem-loan coverage contributes the most (94/100, 2.9%); capital cushion contributes the least (57/100, 10.74%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 9 points (66 → 75), mostly because the loan quality component improved by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 69 |
| Q4 2024 | 62 |
| Q1 2025 | 70 |
| Q2 2025 | 66 |
| Q3 2025 | 70 |
| Q4 2025 | 72 |
| Q1 2026 | 75 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.97% |
| Q3 2024 | 9.89% |
| Q4 2024 | 9.82% |
| Q1 2025 | 9.80% |
| Q2 2025 | 10.34% |
| Q3 2025 | 10.59% |
| Q4 2025 | 10.58% |
| Q1 2026 | 10.61% |
| Q2 2026 | 10.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.21% |
| Q2 2025 | 0.95% |
| Q3 2025 | 0.78% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.49% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.40% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.93% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.96% |
| Q1 2026 | 1.03% |
| Q2 2026 | 1.31% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $146.5M | 10.74% | 0.49% | 1.31% | 70.6% |
| Q1 2026 | 75 | $142.8M | 10.61% | 0.22% | 1.03% | 71.3% |
| Q4 2025 | 72 | $139.7M | 10.58% | 0.47% | 0.96% | 73.2% |
| Q3 2025 | 70 | $137.1M | 10.59% | 0.78% | 1.04% | 73.7% |
| Q2 2025 | 66 | $136.3M | 10.34% | 0.95% | 0.93% | 73.0% |
| Q1 2025 | 70 | $139.6M | 9.80% | 0.21% | 0.62% | 68.2% |
| Q4 2024 | 62 | $137.1M | 9.82% | 0.77% | 0.28% | 69.4% |
| Q3 2024 | 69 | $136.4M | 9.89% | 0.14% | 0.40% | 67.4% |
| Q2 2024 | 65 | $135.2M | 9.97% | 0.75% | 0.58% | 68.7% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Quantum Credit UnionCredit union Wichita, KS | 74 out of 100, Strong | $143.0M | 11.4% | 0.40% | vs |
| Kansas State University Federal Credit UnionCredit union Manhattan, KS | 67 out of 100, Moderate | $139.9M | 11.0% | 0.95% | vs |
| Kansas Teachers Community Credit UnionCredit union Pittsburg, KS | 83 out of 100, Strong | $125.3M | 15.3% | 1.24% | vs |
| Farmway Credit UnionCredit union Beloit, KS | 77 out of 100, Strong | $106.8M | 21.9% | 0.95% | vs |
| Credit Union of Dodge CityCredit union Dodge City, KS | 89 out of 100, Very strong | $102.6M | 14.3% | 0.53% | vs |
| White Eagle Credit UnionCredit union Augusta, KS | 76 out of 100, Strong | $198.5M | 14.0% | 1.72% | vs |
Deposit insurance
Is my money safe at Emporia State Federal Credit Union?
Yes. Emporia State Federal Credit Union is a federally insured credit union (NCUA charter #2227). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.3% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 10.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Emporia State Federal Credit Union lists 2 offices in 1 city. Most locations:
- Emporia, KS (2)
Identity & history
Profile
- Legal name
- Emporia State Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2227
- RSSD ID
- 298777
- Primary regulator
- NCUA
- Established
- 1937
- Headquarters
- 310 W 12th Ave, Emporia, KS 66801
- Employees
- 31
Quick answers
Emporia State Federal Credit Union: common questions
Is Emporia State Federal Credit Union NCUA insured?
Yes. Emporia State Federal Credit Union is a federally insured credit union (NCUA charter #2227). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Emporia State Federal Credit Union's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Emporia State Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Emporia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Credit Union of EmporiaCredit union Emporia, KS | 90 out of 100, Very strong | $42.1M | 15.3% | 0.56% | vs |
| Cottonwood Valley BankBank Cedar Point, KS | 90 out of 100, Very strong | $38.1M | 14.4% | 0.00% | vs |
| Farmers and Drovers BankBank Council Grove, KS | 87 out of 100, Very strong | $221.9M | 25.4% | 0.37% | vs |
| The Farmers State Bank of Aliceville, KansasBank Westphalia, KS | 82 out of 100, Strong | $179.6M | 19.2% | 1.05% | vs |
| The Citizens State BankBank Gridley, KS | 81 out of 100, Strong | $336.2M | 12.1% | 0.58% | vs |
| The Lyon County State BankBank Emporia, KS | 77 out of 100, Strong | $212.5M | 9.6% | 0.20% | vs |