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Emporia State Federal Credit Union


Overview / Commentary
620-342-2336
310 W 12th Ave
Emporia, KS 66801

Emporia State Federal Credit Union is headquartered in Emporia and is the 16th largest credit union in the state of Kansas. It is also the 1,675th largest credit union in the nation. It was established in 1937 and as of March of 2019, it had grown to 26 employees and 6,982 members at 2 locations. Emporia State Federal Credit Union's CD rates are 67% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Emporia State Federal Credit Union membership is open to students, members, or employees of the following groups: Emporia State University, ESU Alumni, Foundation, and Memorial Union, Newman Regional Health, Flint Hills Technical College, Unified School Districts of Coffey, Chase, Lyon, Greenwood, Osage or Morris counties. Employees of ESFCU and their immediate family may also join.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Emporia State Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #2227
Year Chartered1937
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD7.64%
Annual Interest Income$846.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$95.6MM$84.6MM
LoansQ1 2019vs Q1 2018$67.7MM$60.2MM
DepositsQ1 2019vs Q1 2018$86.1MM$75.9MM
Equity CapitalQ1 2019vs Q1 2018$9.3MM$8.5MM
Loan Loss AllowanceQ1 2019vs Q1 2018$361.00K$284.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$594.00K$103.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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Emporia State Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$25-Regular Savings Account

Emporia State Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%$100k-24 Month Jumbo CD
3.00%$10k-60 Month CD Special
2.80%$1k-21 Month Bump CD Special.
2.80%$1k-36 Month CD Special
2.00%$1k-60 Month CD
1.75%$1k-48 Month CD
1.50%$1k-36 Month CD
1.50%$100k-12 Month Jumbo CD
1.25%$1k-24 Month CD
1.00%$1k-12 Month CD
0.65%$500-6 Month CD
0.50%$25-SAVE TO WIN 12 Month
Locations


Emporia State Federal Credit Union Locations
Branch Office2332 Industrial RdEmporia, KS 66801
Branch Office310 W 12th AveEmporia, KS 66801

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