Emporia State Federal Credit Union

Weiss Ratings	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	10.00
Capitalization Index	7.80
Liquidity Index	3.40
Profitability Index	2.00
Stability Index	7.10

Company Info	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	874
Phone Number	(620) 342-2336
Website	www.esfcu.com

Asset Quality	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-2.09%
5-Year Asset Growth	7.19%
5-Year Charge-Offs to Average Loans	0.06%
Charge-Offs to Average Loans	0.06%
Non-Performing Assets to Assets	0.21%
Non-Performing Loans to Capital	2.05%
Non-Performing Loans to Loans	0.34%

Balance Sheet	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
Total Assets	130.71M
Total Deposits	117.33M

Capital and Reserves	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
Capital	13.07M
Leverage Ratio	10.00
Loan Loss Reserves to Loans	0.41%

Liquidity	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	20.88%
Liquidity Ratio	20.95%

Profitability	Emporia State Federal Credit Union Emporia, KS	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.82%
Net Income	581.00K
Net Interest Spread	2.50%
Operating Profit to Average Assets	0.44%
Overhead Efficiency Ratio	85.68%
Return on Assets	0.44%
Return on Equity	4.52%