Emporia State Credit Union

Emporia State Credit Union is headquartered in Emporia and is the 24^th largest credit union in the state of Kansas. It is also the 2,198^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 13 employees and 4,667 members. Emporia State Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Emporia State Credit Union Savings Account Rates

Emporia State Credit Union CD Rates

Data for Q4 2011

Institution Statistics EMPORIA STATE NCUA # 2227 BankRate Report View Year Chartered 1937 Employees 13 Primary Regulator Assets and Liabilities Assets $51.99 million Loans $36.86 million Deposits $47.20 million Equity Capital $4.68 million Loan Loss Allowance $142,000 Unbacked Noncurrent Loans $125,000 Historic Data - December 2010 Assets $45.91 million Equity Capital $4.33 million Loan Loss Allowance $126,000 Profit Margin - Quarterly Net Interest Margin 4.52% Return on Assets 0.67% Return on Equity 7.46% Interest Income $2.07 million Non-Interest Income $351,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Emporia State Credit Union had $125,000 in non-current loans and owned real-estate with $4.82 million in equity and loan loss allowances on hand to cover it. This gives Emporia State Credit Union a Texas Ratio of 2.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Emporia State Credit Union has increased its total deposits by $5.72 million, resulting in 13.8% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Emporia State Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Emporia State Credit Union has $51.99 million in assets with $4.82 million in equity, resulting in a capitalization level of 9.27%, which is average.

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