EMPORIA STATE
Charter #2227 · EMPORIA, KS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.02% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.22% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 69.23% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 30th percentile but its structural peers at the 52nd — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMPORIA STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $142.84M | 27th pct | 38th pct |
| Members | 8,166 | 19th pct | 33th pct |
| Net worth ratio | 10.61% | 37th pct | 44th pct |
| Return on average assets | 1.05% | 72th pct | 74th pct |
| Net interest margin | 3.02% | 16th pct | 18th pct |
| Cost of funds | 1.45% | 64th pct | 62th pct |
| Loan-to-share | 71.34% | 49th pct | 39th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 11th pct |
| Net charge-off ratio | 0.20% | 30th pct | 52th pct |
| Loan growth YoY | 0.81% | 55th pct | 48th pct |
| Share growth YoY | 4.21% | 61th pct | 69th pct |
| Efficiency ratio | 69.23% | 23th pct | 23th pct |
structural peer set hash: c0d33367e2bf452bc9b12c21fab92665… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.