Sep, 30, 2025 — EMPORIA STATE FEDERAL CREDIT UNION is a federal credit union headquartered in EMPORIA, KS with 2 branch locations and about $137.11 million in total assets. Opened 89 years ago in 1937, EMPORIA STATE FEDERAL CREDIT UNION has about 8,124 members and employs 30 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMPORIA STATE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 310 W 12th Ave EMPORIA, KS 66801 |
| Phone: | (620) 342-2336 |
| Fax: | (620) 343-7273 |
| Website: | https://www.esfcu.com |
| Branches: | 2 branch locations |
| Members: | 8,124 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 2227 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $137,109,096 |
| CEO/Manager: | Angela L Miller |
| Chairperson: | Aron Dody |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,424,254 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 461,050 |
| Real Estate Loans | 70,074,672 |
| Unsecured Loans | 1,274,887 |
| Other Loans | 18,517,311 |
| TOTAL LOANS | 90,032,652 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -293,388 |
| Land And Building | 2,468,742 |
| Other Fixed Assets | 90,535 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,213,668 |
| All Other Assets | 0 |
| TOTAL ASSETS | 137,109,096 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 271,712 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 222,735 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 18,132,456 |
| Regular shares | 61,248,730 |
| All Other Shares & Deposits | 42,705,554 |
| TOTAL SHARES & DEPOSITS | 122,086,740 |
| TOTAL LIABILITIES | 122,581,187 |
| Regular Reserve | 0 |
| Other Reserves | 326,955 |
| Undivided Earnings | 14,200,954 |
| TOTAL EQUITY | 14,527,909 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 137,109,096 |
| INCOME & EXPENSE | |
| Loan Income | 3,482,668 |
| Investment Income | 874,848 |
| Other Income | 324,659 |
| Total Employee Compensation & Benefits | 1,496,021 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,182,390 |
| Non-operating Income & (Expense) | 22,514 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 29,000 |
| Cost of Funds | 1,508,429 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,070,724 |
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