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EMPORIA STATE

Emporia, KS · Federal Credit Union · Chartered in KS

LICUWell Capitalized

Who can join

Type 34

Charter #2227Est. 1937RSSD: 298777

Members

8,166

Net Worth Ratio

10.61%

min. 7% = Well Capitalized

Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.

At a Glance

Total Assets

$142.8M

Peer Group 5

Members

8,166

as of latest quarter

Net Worth Ratio

10.61%

Well Capitalized

Institution Profile

NCUA

Address

310 W 12th Ave, Emporia, KS 66801

Chartered

1937

Branch Locations

2 locations

Financial Snapshot

As of Q1 2026NCUA 5300 Call Report

Total Assets

$142.8M

Total Shares

$127.2M

Total Loans

$90.8M

Net Worth Ratio

10.61%

≥7% = Well Capitalized

Members

8,166

Delinquency Rate (60d+)

0.17%

$152K

Loan-to-share ratio: 71.3%· healthy range 60–80%

Branch Locations

NCUA

ESFCU - Main Branch

310 W 12th Ave, Emporia, KS, 66801

8:30am - 5:30pm M-F; Sat 8:30am - Noon

MainATMDrive-thru

Branch - 2332 Industrial

2332 Industrial Rd, Emporia, KS, 66801

8:30am-5:30pm M-F; 8:30am-Noon Sat

ATMDrive-thru

Mortgage Lending (HMDA)

CFPB HMDA

Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.

Consumer Complaints

CFPB / NCUA

No CFPB complaint data available for this credit union.

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Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.