# EMPORIA STATE
EMPORIA, KS · NCUA charter 2227 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/emporia-state-2227

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 8,166 members of 50,000 potential (16.3% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $142.8M |
| Members | 8,166 (1.7% YoY) |
| Full-time staff | 26 |
| Net worth | $15.2M |
| Net worth ratio | 10.6% (p35 of band) |
| ROA (annualized) | 1.03% (p70 of band) |
| Total delinquency | 0.22% (p17 of band) |
| Net charge-offs (annualized) | 0.20% (p33 of band) |
| Loans / shares | 71% (p54 of band) |
| Cash / assets | 25.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.99% (p14 of band) |
| Operating expense / assets | 2.58% (p14 of band) |
| Vehicles % of loans | 19% (p19 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 4% (p38 of band) |
| Vehicle delinquency | 0.66% (p55 of band) |
| Vehicle NCO | 1.09% (p76 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 78% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 64% |
| Certificates % of member funds | 35% |
| Average share balance | $7,345 |
| Participations bought / yr | $1.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $669,182 |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $30,641 |
| Loans granted, annualized | $17.1M |

## Participation posture (from the same filings)

Bought $1.9M and sold $0 in the latest annualized quarter; $669,182 outstanding purchased (4.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | delinquency rising | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2020-12 | 1 | delinquency 2x band |  |
| 2021-03 | 2 | thin capital, net worth falling | delinquency 2x band |
| 2021-06 | 1 | delinquency 2x band | thin capital, net worth falling |
| 2021-09 | 0 |  | delinquency 2x band |
| 2021-12 | 2 | net worth falling, delinquency 2x band |  |
| 2022-03 | 2 | thin capital | delinquency 2x band |
| 2022-06 | 1 | margin squeeze | net worth falling, thin capital |
| 2022-09 | 0 |  | margin squeeze |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | net worth falling, delinquency rising |  |
| 2025-03 | 1 |  | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-09-10 [Rahe and Germann honored as recipients of NextGen Under 30 Kansas Award - KVOE](https://news.google.com/rss/articles/CBMiogFBVV95cUxPRmZ1VEh1aDJzcmZuUERpN0RSdkM5OUh6REVLSkIzSzRRNXNkdVhsZGd2NHNXRUJCeFBOM0hNV1hmMnYzQVV3bmR4R0w4MTQ3X0ZBUGJjSGZ0WWlqM2RwQzZhZ3hlM29uVmVVdVU4ZlBtS0NZTXJ3c1BPLVM4ejVPZG1TMFZCVVA4S1I3R2MxQTk4eEZZN2Z4VEk0RmRLRWlqV1E?oc=5) · KVOE
- 2021-02-02 [Emporia State Federal Credit Union announces purchase, expansion into former BLI Rentals building - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOckM1QmlFeGdwb1pUSENhbVhZRHdTMGZoaFBoMkF3T2tUc0hZbGJHTVdMT3JTcGk3bUZaUjNMU0tmMkUxaGl2Y2otRGZnMXhRaGRRajhTaHJQb2tSVnZINVQ2T20wZHJMbVdlaE1Vc3BBemFQblNiR1hKOUkyeTFfRDZYZXpOVml6Xy1FckFB?oc=5) · Emporia Gazette
- 2015-10-16 [Emporia State credit union 'pays it forward' - Emporia Gazette](https://news.google.com/rss/articles/CBMijgFBVV95cUxOYVZLd3NtaGpGZmJFd3BRVUFURTdiNFRqa2s3al82b2tnbE1rVXRJakRpRDhCVGtnM2s2cFVyUEU5QkZ1alVQTDl0ZFBFdk9ldVdjeVgtUEMycVBNSXBndTZ6RU5QQlhnRTFBSERmYm82WGtidWZkR05hYW1VMS01b1VlZmhCRFhFWmRaZkh3?oc=5) · Emporia Gazette
- 2026-07-30 [ESU names alum as new Memorial Union director - KVOE](https://news.google.com/rss/articles/CBMif0FVX3lxTE9LdURUWkVJNlNtUURrSUZwemR5aTBUYWNHbF9Wb1pmYlRsLXZfc2VKa1YtNzVENm5fS1c3V1l4N01WdFJRR1dmMi0tX1JQNmhuenpzTnFacGRMaEhzVFVDR3JRU0tsRlFUdDJJZ2hWVndxWEtYcGZMa1gyV29JQ28?oc=5) · KVOE
- 2024-06-13 [Andrew Bernard Gottesburen Obituary Sep 25, 2022 - The Amos Family Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBRRzF6UjhBWmJ6Qmc0akFfU2tndEtCSFpVbFZwMUpDVnRrTHZONmU5WmdhTUhtUlBJMFpTVXhBUmFUOXJYTDd4ZkhiRVF1NEh5UmRKZEdSZ19xZk81Z0F0c0JSRVFEYzA?oc=5) · The Amos Family Funeral Home & Crematory
- 2019-01-29 [Gary D. Mcdaniel Obituary Jan 29, 2019 - Dove Cremations & Funerals](https://news.google.com/rss/articles/CBMiYEFVX3lxTE0wbDI2ZTRFNW1ON2duUWpwbHpHaU9pUHN4dGRhTlREcGFYSjVaSHF0U2ItQXBmUWxfQ1ZiejcyaEl0MWNKMXBkU3ZkTmJoUUVWNWtBU1l6dERyNWtacWxiRw?oc=5) · Dove Cremations & Funerals
- 2014-12-13 [It's Your Business - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQUFFQNllMTlhlQkxWTzFTMTZBUlV0OWpZeDBpclFNNWpNLWw5Z1NsaHdrdWl5Rms0Wm9mbDY3M1llS0JuRnZHLU9oWFBNTl9JZzVING5kTlNQWWo0S3JBTktJTzZZcUFTeVhpMHJNb1dZWUFfMTY5SUVMTTM4RkxSR3hTSWFlQy1XWUdB?oc=5) · The Topeka Capital-Journal
- 2025-12-28 [Lannette "Lanny" Susan Linebarger Obituary (2025) - Emporia, KS - Roberts-Blue-Barnett Funeral Home- Emporia - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxNeWotc2lhR3RGN1g1TmhlZ2taaVZvY0Q5bXhCRFp3ODMzQlVqZmNSMFBhbV9PcHZSVHg0UjFBbEJRcEdGUkI4empITERQVGtJRlVaenlrcUdfM2JWb3ZmeEFTRzlCR2daSzVoQ2JXaFpnTGxmVXlVUGQzeU56S0pLLTkybWFDS3BSdXFGbWxQbDJpUQ?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2227 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "2227", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=2227
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide