CREDIT UNION OF EMPORIA
Charter #63319 · EMPORIA, KS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.14% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 53.05% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 85th percentile but its structural peers at the 51st — a 35-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 | CREDIT UNION OF EMPORIA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.47M | 85th pct | 51th pct |
| Members | 3,851 | 89th pct | 61th pct |
| Net worth ratio | 15.14% | 61th pct | 75th pct |
| Return on average assets | 1.35% | 81th pct | 74th pct |
| Net interest margin | 3.40% | 30th pct | 34th pct |
| Cost of funds | 0.98% | 57th pct | 64th pct |
| Loan-to-share | 34.69% | 15th pct | 23th pct |
| Delinquency 60+ days | 0.30% | 35th pct | 33th pct |
| Net charge-off ratio | 0.60% | 75th pct | 74th pct |
| Loan growth YoY | -0.16% | 69th pct | 68th pct |
| Share growth YoY | 6.29% | 82th pct | 72th pct |
| Efficiency ratio | 53.05% | 5th pct | 3th pct |
structural peer set hash: e6c269ebe0ffc82c201c9da892e63feb… (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.