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Emporia State Federal Credit Union

Popular Accounts at this Credit Union

0.75%1-year CD12 Month CD
0.47%SavingsRegular Savings Account
1.55%3-year CD34 Month Bump CD

Overview / Commentary
310 W 12th Ave
Emporia, KS 66801

Emporia State Federal Credit Union is headquartered in Emporia and is the 19th largest credit union in the state of Kansas. It is also the 1,853rd largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 19 employees and 6,240 members at 2 locations. Emporia State Federal Credit Union's CD rates are 11% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to employees or students of Emporia State University, employees of ESU Memorial Union, members of the ESU Alumni Association, ESU Foundation or other related institutions.
See current membership details


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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

NCUA #2227
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.32%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$76.1MM$72.0MM
LoansQ4 2016vs Q4 2015$54.4MM$51.2MM
DepositsQ4 2016vs Q4 2015$68.5MM$65.1MM
Equity CapitalQ4 2016vs Q4 2015$7.6MM$6.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$236.00K$230.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$585.00K$684.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$38.00K
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Emporia State Federal Credit Union Savings Account Rates

0.47%$25-Regular Savings Account

Emporia State Federal Credit Union CD Rates

1.55%$1k-34 Month Bump CD
1.25%$1k-21 Month Bump CD
1.00%$100k-12 Month Jumbo CD
0.75%$1k-12 Month CD
0.50%$500-6 Month CD

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