Credit union · NCUA insured
Emporia State Federal Credit Union
A $142.8M credit union headquartered in Emporia, KS, with 8,166 members and 2 branches in Kansas. Best rates: CDs 4.25% and savings 0.25% APY.
Emporia State Federal Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#2 of 5 in Emporia, KS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Emporia State Federal Credit Union
- Headquarters
- 310 W 12th Ave, Emporia, KS 66801
- NCUA charter
- 2227
Branches
2 branches in Kansas
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Kansas
2 branches
- ESFCU - Main BranchMain office310 W 12th Ave, Emporia, KS 66801Directions
- Branch - 2332 Industrial2332 Industrial Rd, Emporia, KS 66801Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.49% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.34% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio10.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.49%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Emporia State Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.