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Emporia State

Emporia, KS · Charter 2227

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

82

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Emporia State

Emporia, KS · Charter 2227

NCUA · 2 branches

Q2 2026

$146.5MAssets
$92.0MLoans
$130.3MShares
$15.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.31%, up 38 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.49% of loans (-45 bps YoY).
  • Capital: net worth / assets of 10.74%, up 40 bps from a year ago.
  • Funding: loans stand at 70.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.31%+38 bps YoY

Net Interest Margin (YTD, annualized)

3.07%+42 bps YoY

Efficiency Ratio (YTD, annualized)

65.26%-789 bps YoY

Net Worth / Assets

10.74%+40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%1.04%0.96%1.03%1.31%+38 bps
Return on Equity8.97%9.83%9.08%9.75%12.18%+321 bps
Net Interest Margin2.65%2.77%2.80%2.99%3.07%+42 bps
Efficiency Ratio73.15%70.89%73.35%69.23%65.26%-789 bps
Growth
Asset Growth (YoY)0.78%0.49%1.90%2.32%7.54%+676 bps
Loan Growth (YoY)6.52%9.05%6.56%6.09%3.60%-293 bps
Share Growth (YoY)0.22%-0.34%1.03%1.40%7.13%+690 bps
Asset Quality
Delinquent Loans / Loans0.95%0.78%0.47%0.22%0.49%-45 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.34%10.59%10.58%10.61%10.74%+40 bps
Net Worth / Assets10.34%10.59%10.58%10.61%10.74%+40 bps
Liquidity & Funding
Loans / Shares73.04%73.74%73.16%71.34%70.63%-241 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Emporia State

Emporia, KS · Charter 2227 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$146.5MAssets
$92.0MLoans
$130.3MShares
$15.7MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 92% of credit unions under $1B in assets (rank 131 of 1681).
  • Widest gap: net interest margin trails 84% of credit unions under $1B in assets (rank 1408 of 1683).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.31%

Rank 341 of 1,683

Net Interest Margin

3.07%

Rank 1,408 of 1,683

Efficiency Ratio

65.26%

Rank 301 of 1,682

Equity / Assets

10.74%

Rank 1,206 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.31%0.35%0.74%1.18%Beats 80%341 / 1,683
Return on Equity12.19%2.67%5.89%8.74%Beats 92%131 / 1,681
Net Interest Margin3.07%3.31%3.82%4.32%Beats 16%1,408 / 1,683
Efficiency Ratio65.26%68.91%78.20%86.93%Beats 82%301 / 1,682
Asset Quality
Nonperforming Loans / Loans0.49%0.26%0.65%1.29%Beats 59%683 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.74%10.44%12.89%16.53%Beats 28%1,206 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.74%10.44%12.89%16.53%Beats 28%1,206 / 1,683
Liquidity & Funding
Loans / Deposits70.63%52.61%69.38%83.50%52nd pctl803 / 1,683
Loans / Assets62.81%44.71%59.18%70.72%58th pctl706 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution