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Credit union call report ยท Emporia, KS

Credit Union of Emporia Call Report

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Credit Union of Emporia filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 267 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Credit Union of Emporia call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number63319
Federal Reserve RSSD ID377391

The official copy: search charter number 63319 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Credit Union of Emporia call report, Q2 2026

Statement of Financial Condition (30 items)
Credit Union of Emporia, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $582K
1c. Total Cash on Hand 730A $582K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $3.0M
2c. Cash on Deposit in Other Financial Institutions 730B2 $28K
2. Cash on Deposit (total) 730B $3.0M
3. Time Deposits in Banks and Credit Unions AS0007 $14.1M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $17.7M
9. Held-to-Maturity Debt Securities AS0073 $11.7M
11. TOTAL INVESTMENT SECURITIES AS0013 $11.7M
12b. Perpetual Contributed Capital 769B $74K
13. TOTAL OTHER INVESTMENTS AS0017 $74K
15a. Number of Total Loans and Leases 025A 1,569
15b. Total Loans and Leases 025B $12.0M
17. ACL on Loans and Leases AS0048 $59K
19. Land and Building 007 $175K
20. Other Fixed Assets 008 $26K
21. NCUA Share Insurance Capitalization Deposit 794 $319K
22d. Accrued Interest on Loans 009A $34K
22e. Accrued Interest on Investments 009B $101K
22f. All Other Assets 009C $61K
22g. Total Other Assets AS0036 $196K
23. TOTAL ASSETS 010 $42.1M
Accounts Payable and Other Liabilities 825 $249K
Accrued Dividends and Interest Payable 820A $33K
Member Shares of All Types 013 $35.4M
Total Shares and Deposits 018 $35.4M
Undivided Earnings 940 $6.4M
Total Net Worth 997 $6.4M
Net Worth Ratio 998 15.31%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $42.1M
Statement of Income and Expense (22 items)
Credit Union of Emporia, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $434K
3. Income from Investments 120 $444K
5. TOTAL INTEREST INCOME 115 $878K
6. Dividends on Shares 380 $175K
8. Interest on Borrowed Money 340 $12
9. TOTAL INTEREST EXPENSE 350 $175K
10. NET INTEREST INCOME IS0010 $702K
12a. Credit Loss Expense - Loans and Leases IS0011 $66K
12e. Total Credit Loss Expense IS0017 $66K
13. Fee Income 131 $60K
14. Other Operating Income IS0020 $10K
23. TOTAL NON-INTEREST INCOME 117 $70K
24. Employee Compensation and Benefits 210 $206K
26. Office Occupancy 250 $17K
27. Office Operations 260 $58K
28. Educational and Promotional 270 $9K
29. Loan Servicing 280 $64K
30. Professional and Outside Services 290 $38K
32. Operating Fees 320 $4K
33. Miscellaneous Operating Expense 360 $7K
34. TOTAL NON-INTEREST EXPENSE 671 $404K
35. NET INCOME 661A $303K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Credit Union of Emporia, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $150K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $122
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $974
Loans Granted Year-to-Date 031A $295
Amount of Loans Granted Year-to-Date 031B $2.6M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $67K
Number of current members (not number of accounts) 083 3,809
Number of potential members 084 35,000
Net Member Business Loan Balance 400A $24K
Interest Rate of Unsecured Credit Card Loans 521 1,495.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,272.00%
Interest Rate of New Vehicle Loans 523 608.00%
Interest Rate of Used Vehicle Loans 524 709.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $49K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $19K
Total Amount of All Other Shares 630 $1.6M
Amount of Regular Shares 657 $16.7M
Amount of Share Drafts 902 $4.5M
IRA/KEOGH Accounts - < 1 Year 906A $772K
Share Certificates - < 1 Year 908A $4.0M
Total Amount of Share Certificates 908C $6.9M
Total Amount of Money Market Shares 911 $4.4M
Number of Used Vehicle Loans 968 563
NCUA data file FS220A (22 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Credit Union of Emporia, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $31.9M
Total Shares - 1-3 Years 013B1 $3.4M
Total Shares and Deposits - < 1 Year 018A $31.9M
Total Shares and Deposits - 1-3 Years 018B1 $3.4M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 3
Effective date of last audit 063 $62K
Amount of Used Vehicle Loans 370 $6.6M
Amount of New Vehicle Loans 385 $1.1M
Amount of Unsecured Credit Card Loans 396 $223K
Amount of All Other Unsecured Loans/Lines of Credit 397 $600K
Share Certificates 451 $314
Number of Accounts for Share Drafts 452 1,427
IRA/KEOGH Accounts 453 $135
Number of Accounts for Regular Shares 454 3,541
All other shares 455 $387
Money Market Shares 458 $77
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 5,881
Number of credit union employees who are Full-Time (26 hours or more) 564A 8
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 2
Number of Outstanding Indirect Loans 617A 3
Total Amount of Outstanding Indirect Loans 618A $400K
Total credit lines 881 $500K
NCUA data file FS220B (21 items)

maturity and repricing buckets (40%), credit cards (17%)

Credit Union of Emporia, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $34.3M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
All other shares - < 1 Year 630A $1.6M
Amount of Regular Shares - < 1 Year 657A $16.7M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $4K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $2K
Fair value of Held to Maturity Securities 801 $11.6M
Amount of Share Drafts - < 1 Year 902A $4.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $459K
Total Amount of IRA/KEOGH Accounts 906C $1.2M
Share Certificates - 1-3 Years 908B1 $3.0M
Money Market Shares - < 1 Year 911A $4.4M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $139K
Number of New Vehicle Loans 958 38
Total Shares 966 $6K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $963
Number of Unsecured Credit Card Loans 993 416
Number of All Other Unsecured Loans/Lines of Credit 994 418
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 13
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Credit Union of Emporia, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 1
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $2.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $310K
Outstanding balance of brokered certificates of deposit and share certificates 788 $18.4M
NCUA data file FS220D (28 items)

member services and products offered (69%), CUSO relationships (27%)

Credit Union of Emporia, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Offer Non-Custodial Accounts PP0033 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (3 items)

loans and leases (32%), participation loans (18%)

Credit Union of Emporia, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Total Value of Investments in CUSOs 851 $18K
Total Aggregate Cash Outlay in CUSOs 853 $18K
Total Credit Lines at Corporate Credit Unions 884 $500K
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Credit Union of Emporia, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $438K
NCUA data file FS220I (5 items)

vehicle lending (59%), delinquency (44%)

Credit Union of Emporia, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $77K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $42K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $9K
Commercial Share Accounts 643 $929K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $721
NCUA data file FS220L (13 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Credit Union of Emporia, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $2K
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.0M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $263K
Total outstanding balance of commercial loans to members 400A1 $55K
Outstanding balance of Member Commercial and Industrial loans 400L2 $55K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $55K
Outstanding balance of all member and non-member commercial loans 400T1 $55K
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 620.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 700.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 577.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 803.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $877K
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $2.3M
NCUA data file FS220M (9 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Credit Union of Emporia, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $438K
Total Unfunded Commitments for Non-Commercial Loans 816T $438K
Total number of member commercial loans 900A1 $2
Number of Member Commercial and Industrial loans 900L2 2
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 2
Total Number of Member and Nonmember commercial loans 900T1 $2
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 41
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 14
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 77
NCUA data file FS220N (7 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Credit Union of Emporia, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $3.5M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $7.0M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $1.3M
Total Liabilities LI0069 $35.7M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $42.1M
Number of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0012 2
Amount of Loans Purchased from Other Sources YTD (Whole or partial loans) SL0013 $336K
NCUA data file FS220P (15 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Credit Union of Emporia, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $3K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $9K
All Other Unsecured Loans/Lines of Credit DL0022 $229
All Other Unsecured Loans/Lines of Credit DL0026 $122
All Other Unsecured Loans/Lines of Credit DL0027 $122
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $1
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $3K
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $69K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $67K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $67K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $67K
Amount of Consumer Loans in Non-Accrual Status DL0145 $1K
Number of Indirect Loans - First Lien and Junio Lien Residential Loans IN0003 3
Amount of Indirect Loans - First Lien and Junio Lien Residential Loans IN0004 $400K
NCUA data file FS220Q (21 items)

investment portfolio detail (69%)

Credit Union of Emporia, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0077 $11.7M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $11.6M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $11.7M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $6.1M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $5.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $2.2M
Investment Maturity Distribution - Time Deposits - Total NV0116 $14.1M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $11.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $74K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $74K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $9.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $12.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $3.5M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $74K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $25.9M
RBC Total Equity RB0001 $6.4M
RBC Allowance for Credit Losses RB0002 $59K
RBC Total Additions RB0005 $59K
RBC Total Deductions RB0009 $319K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $6.2M
RBC Risk-Based Capital Numerator RB0012 $6.2M
NCUA data file FS220R (39 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Credit Union of Emporia, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $11.8M
RBC Schedule Total Consumer Loans RB0060 $9.4M
RBC Schedule Total Commercial Loans RB0068 $55K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $59K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $59K
RBC Schedule Total Loans RB0079 $11.9M
RBC Total for Risk Weighting Total Loans RB0081 -$59K
RBC Total Loans 0% Weight RB0082 -$59K
RBC Schedule Total Other Assets RB0088 $715K
RBC Total for Risk Weighting Other Assets RB0090 $319K
RBC Other Assets 0% Weight RB0091 $319K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $42.1M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $260K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $260K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $42.1M
RBC Allowance for Credit Losses (Loans) RB0177 $59K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 11.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 877,318.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 176,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 29.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,199,108.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less RL0006 230,900.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 1.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 174,836.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $2.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $407K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 14.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 263,036.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 54,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $263K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $54K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $55
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $2.5M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $461K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $73K
Total Shares SH0013 $35.4M
Total Shares and Deposits SH0018 $35.4M
Number of Outstanding Loans Purchased from Other Sources SL0020 3
Amount of Outstanding Loans Purchased from Other Sources SL0021 $400K
NCUA data file FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Credit Union of Emporia, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1

Credit Union of Emporia call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Credit Union of Emporia call report?

The Credit Union of Emporia call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Credit Union of Emporia file?

Credit Union of Emporia files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Credit Union of Emporia call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Credit Union of Emporia is 63319.

How often does Credit Union of Emporia file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Credit Union of Emporia financials and ratios →

New to the 5300? What the NCUA 5300 call report is.