B
Emporia State Federal Credit Union
EmporiaKS
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Emporia State Federal Credit Union
Emporia, KS
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Rating B
Asset Quality Index 9.20
Capitalization Index 7.50
Liquidity Index 3.90
Profitability Index 3.60
Stability Index 6.60
Company Info Emporia State Federal Credit Union
Emporia, KS
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NCUA Charter Number 874
Phone Number (620) 342-2336
Website www.esfcu.com
Asset Quality Emporia State Federal Credit Union
Emporia, KS
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1-Year Asset Growth 0.78%
5-Year Asset Growth 6.97%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.62%
Non-Performing Loans to Capital 1.26%
Non-Performing Loans to Loans 0.21%
Balance Sheet Emporia State Federal Credit Union
Emporia, KS
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Total Assets 136.26M
Total Deposits 121.63M
Capital and Reserves Emporia State Federal Credit Union
Emporia, KS
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Capital 14.10M
Leverage Ratio 10.34
Loan Loss Reserves to Loans 0.32%
Liquidity Emporia State Federal Credit Union
Emporia, KS
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Hot Money Ratio 19.88%
Liquidity Ratio 25.07%
Profitability Emporia State Federal Credit Union
Emporia, KS
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5-Year Return on Average Assets 0.66%
Net Income 632.00K
Net Interest Spread 3.04%
Operating Profit to Average Assets 0.92%
Overhead Efficiency Ratio 79.80%
Return on Assets 0.92%
Return on Equity 9.21%