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Emporia State Credit Union
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Emporia State Credit Union Share
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Overview Share
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Emporia State Credit Union is a federal credit union based in Emporia, Kansas. It has been opened since 1937, for 85 years.

With around $92,380,000 in assets, Emporia State Credit Union is considered to be a large credit union. It has 2 branches and 2 ATM locations.

About Share
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Address 310 W. 12th Avenue
Emporia, Kansas 66801
Website https://www.esfcu.com
Phone (620) 342-2336
Fax (620) 343-7273
CEO Angela L. Miller
President of the Board Aron Dody
Services Offered
Score Card Share
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85 years
Years in business
Opened in 1937
Well Capitalized
Net worth classification
Source: NCUA
6,918 members
Membership type: Multiple common bond – primary educational
Above average number of members
243:1
Credit union member to staff ratio
243 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$92,383,725
Total assets
Above average
2 branches
Compared with an average of 4 nationally and 2 in Kansas
Above average number of branches
0.50%
Savings interest rate
Compared to 0.3% nationally
8.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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2 branches
Compared with an average of 4 nationally and 2 in Kansas
Above average number of branches
Emporia State Credit Union Branch Locations

Emporia State Credit Union: Branch - 2332 Industrial
2332 Industrial Road
Emporia, Kansas 66801
ATM Available
Emporia State Credit Union: Esfcu - Main Branch
310 W. 12th Avenue
Emporia, Kansas 66801
ATM Available
Members Share
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6,918 members
Membership type: Multiple common bond – primary educational
Above average number of members

With 6,918 members, the Emporia State Credit Union is considered to be a large credit union. It is larger than 64% of credit unions.

Fees Share
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$56
Average fee per member
The average fee per member at the Emporia State Credit Union is $56, which is comparable to most credit unions. This rate is lower than 44% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Emporia State Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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243:1
Credit union member to staff ratio
243 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
28 staff members
FTE (full-time equivalent)
16% of employees are part-time
26 full-time, 5 part-time

Emporia State Credit Union has 26 full-time staff members and 5 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 84% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Emporia State Credit Union has around 243 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$92,383,725
Total assets
Above average
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.5%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$25,417
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 96% of credit unions.

Emporia State Credit Union holds a total of $67,250,000 in loans and leases, which is about $25,417 per member on average.

Savings interest rate Share
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0.50%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Emporia State Credit Union pays 0.50%.

Loan rates Share
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8.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
18.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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4.00%
New car loan rate
Compared to 4.0% nationally
4.00%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.00%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
6.00%
Other real estate loan rates
Compared to 0.9% nationally

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Emporia State Credit Union: Branch - 2332 Industrial
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Emporia, Kansas 66801 ATM Available
Emporia State Credit Union: Esfcu - Main Branch
Credit Union Branch: 310 W. 12th Avenue
Emporia, Kansas 66801 ATM Available
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Emporia State Credit Union: Esfcu - Main Branch ATM
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