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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.35% | 0.74% | 1.18% | Beats 80% | 341 / 1,683 | | |
| Return on Equity | 12.19% | 2.67% | 5.89% | 8.74% | Beats 92% | 131 / 1,681 | | |
| Net Interest Margin | 3.07% | 3.31% | 3.82% | 4.32% | Beats 16% | 1,408 / 1,683 | | |
| Efficiency Ratio | 65.26% | 68.91% | 78.20% | 86.93% | Beats 82% | 301 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.49% | 0.26% | 0.65% | 1.29% | Beats 59% | 683 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.74% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,206 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.74% | 10.44% | 12.89% | 16.53% | Beats 28% | 1,206 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.63% | 52.61% | 69.38% | 83.50% | 52nd pctl | 803 / 1,683 | | |
| Loans / Assets | 62.81% | 44.71% | 59.18% | 70.72% | 58th pctl | 706 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |