Credit Union of Emporia
Emporia, KS · Charter 63319 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$42.1MAssets
$12.0MLoans
$35.4MShares
$6.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 95% of credit unions under $1B in assets (rank 81 of 1682).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets (rank 1254 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.44%
Rank 276 of 1,683
Net Interest Margin
3.34%
Rank 1,254 of 1,683
Efficiency Ratio
52.26%
Rank 81 of 1,682
Equity / Assets
15.31%
Rank 519 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.44% | 0.35% | 0.74% | 1.18% | Beats 84% | 276 / 1,683 | | |
| Return on Equity | 9.40% | 2.67% | 5.89% | 8.74% | Beats 80% | 341 / 1,681 | | |
| Net Interest Margin | 3.34% | 3.31% | 3.82% | 4.32% | Beats 25% | 1,254 / 1,683 | | |
| Efficiency Ratio | 52.26% | 68.91% | 78.20% | 86.93% | Beats 95% | 81 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.26% | 0.65% | 1.29% | Beats 55% | 753 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 519 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.31% | 10.44% | 12.89% | 16.53% | Beats 69% | 519 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 33.86% | 52.61% | 69.38% | 83.50% | 7th pctl | 1,566 / 1,683 | | |
| Loans / Assets | 28.45% | 44.71% | 59.18% | 70.72% | 7th pctl | 1,569 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |