PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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