Institution Profile
Address: 2711 W 15TH AVE EMPORIA, KS 66801
(620) 342-0491
Website:
NCUA Profile:
Charter Date:
11/11/1953
Charter Type:
State
Branches:
1
Branches by Region
KS 1
Financial Overview
Total Assets
$38.69M
Total Deposits
$32.31M
Total Loans
$12.34M
Members
3,855
Employees
9 6 Full-time / 3 Part-time
Allowance for Loan Losses
$23,254
Performance Ratios
Net Worth Ratio
15.88%
Loan-to-Deposit Ratio
38.19%
Coverage Ratio
0.19% Allowance / Total Loans
Assets, Loans & Deposits Over Time
Assets, Loans & Deposits Over Time
Total Assets: +49.31% Total Deposits: +46.46% Total Loans: +3.56% since 2020 Q1
Member Growth
Member Growth
Members: +12.55% since 2020 Q1
Employee Growth
Employee Growth
Employees: -10.00% since 2020 Q1
Loan Originations
New loans granted per quarter (calculated from YTD figures)
Loans This Year (YTD)
646
Amount This Year (YTD)
$6.76M
Number of Loans per Quarter
Loans Granted: +17.69% since 2020 Q1
Loan Amount per Quarter
Amount Granted: +40.44% since 2020 Q1
Loan Portfolio Breakdown
Current outstanding balances by loan type
Used Vehicle
$7.26M 58.8%
1st Mortgages
$1.87M 15.1%
New Vehicle
$1.00M 8.1%
Other Secured
$969,008 7.9%
Other Unsecured
$521,033 4.2%
HELOCs
$506,110 4.1%
Credit Card
$212,420 1.7%
Portfolio Distribution
Historical Data Table
| Quarter | Members | Total Assets | Total Deposits | Total Loans | Employees |
|---|---|---|---|---|---|
| 2025 Q4 | 3,855 | $38.69M | $32.31M | $12.34M | 9 |
| 2025 Q3 | 3,830 | $39.10M | $32.88M | $12.14M | 9 |
| 2025 Q2 | 3,822 | $38.04M | $31.76M | $12.08M | 9 |
| 2025 Q1 | 3,994 | $38.48M | $32.39M | $11.82M | 9 |
| 2024 Q4 | 3,417 | $36.40M | $30.70M | $12.20M | 8 |
| 2024 Q3 | 3,409 | $36.48M | $30.78M | $12.18M | 9 |
| 2024 Q2 | 3,390 | $36.30M | $30.79M | $12.15M | 9 |
| 2024 Q1 | 3,379 | $36.25M | $30.87M | $11.98M | 9 |
| 2023 Q4 | 3,370 | $35.32M | $30.02M | $12.11M | 9 |
| 2023 Q3 | 3,359 | $35.19M | $29.88M | $12.28M | 9 |
| 2023 Q2 | 3,326 | $36.91M | $31.83M | $11.98M | 9 |
| 2023 Q1 | 3,350 | $37.00M | $32.11M | $11.99M | 8 |
| 2022 Q4 | 3,333 | $35.19M | $30.37M | $11.93M | 8 |
| 2022 Q3 | 3,322 | $35.02M | $30.23M | $11.55M | 9 |
| 2022 Q2 | 3,346 | $35.35M | $30.65M | $11.23M | 8 |
| 2022 Q1 | 3,330 | $35.29M | $30.54M | $10.93M | 8 |
| 2021 Q4 | 3,338 | $33.65M | $29.04M | $11.21M | 8 |
| 2021 Q3 | 3,367 | $33.49M | $29.00M | $11.84M | 8 |
| 2021 Q2 | 3,377 | $32.62M | $28.09M | $11.32M | 9 |
| 2021 Q1 | 3,396 | $32.94M | $28.69M | $11.04M | 8 |
| 2020 Q4 | 3,373 | $29.94M | $25.75M | $11.36M | 9 |
| 2020 Q3 | 3,384 | $29.33M | $25.08M | $11.64M | 9 |
| 2020 Q2 | 3,417 | $28.56M | $24.42M | $11.58M | 9 |
| 2020 Q1 | 3,425 | $25.91M | $22.06M | $11.91M | 10 |
Interest Rates
Current average rates by loan type
New Vehicle
6.27%
Used Vehicle
7.15%
1st Mortgage (Fixed)
4.99%
HELOC
7.00%
Credit Card
14.63%
Other Unsecured
13.69%