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Overview / Commentary
717 N Socora St
Wichita, KS 67212-3670

Catholic Family Credit Union is headquartered in Wichita and is the 36th largest credit union in the state of Kansas. It is also the 3,032nd largest credit union in the nation. It was established in 1947 and as of March of 2014, it had grown to 8 employees and 4,388 members. Catholic Family Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee, volunteer, student, alumni or member of one of the several affiliated Catholic parishes, schools and institutions in the Wichita area. Also open to those who live, work, worship or attend school in designated underserved areas in Wichita, KS. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Catholic Family Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Catholic Family Credit Union had $297,000 in non-current loans and owned real-estate with $2.2 million in equity and loan loss allowances on hand to cover it. This gives Catholic Family Credit Union a Texas Ratio of 13.48% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Catholic Family Credit Union increased slightly from 6.75% as of March 31, 2013 to 13.48% as of March 31, 2014, resulting in a negative change of 99.86%. This indicates that the balance sheet and financial strength for Catholic Family Credit Union has declined slightly in recent periods.

Deposit Growth


In the past year, Catholic Family Credit Union has increased its total deposits by $776,000, resulting in 3.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Catholic Family Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Catholic Family Credit Union has $28.62 million in assets with $2.2 million in equity, resulting in a capitalization level of 7.70%, which is below average.

Institution Statistics

NCUA #5510
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$28.62 million
Loans$20.24 million
Deposits$26.40 million
Equity Capital$2.07 million
Loan Loss Allowance$130,000
Unbacked Noncurrent Loans$235,000
Real Estate Owned$62,000
Historic Data - March 2013
Assets$27.97 million
Equity Capital$2.08 million
Loan Loss Allowance$116,000
Unbacked Noncurrent Loans$235,000
Real Estate Owned$62,000
Profit Margin - Quarterly
Net Interest Margin1.1%
Return on Assets0.48%
Return on Equity6.56%
Interest Income$258,000

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Catholic Family Credit Union Savings Account Rates

0.15%$100-IRA Savings Account
0.15%$100-Roth IRA Savings Account
0.15%$100-SEP IRA Savings Account
0.15%$100-Coverdell Education Savings Account
0.05%$100-Membership Account
0.05%--Youth Account
0.05%--Christmas Club Account

Catholic Family Credit Union Money Market Rates

0.20%$25k-Money Market Plus Account

Catholic Family Credit Union Checking Account Rates

0.02%$1k-Image 50 Checking Account
0.01%$750-Access Checking Account

Catholic Family Credit Union CD Rates

0.60%$1k-60 Month Share Certificate
0.60%$500-60 Month Youth Share Certificate
0.55%$1k-48 Month Share Certificate
0.55%$500-48 Month Youth Share Certificate
0.50%$1k-36 Month Share Certificate
0.50%$500-36 Month Youth Share Certificate
0.45%$1k-24 Month Share Certificate
0.45%$500-24 Month Youth Share Certificate
0.40%$1k-18 Month Share Certificate
0.40%$500-18 Month Youth Share Certificate
0.35%$1k-12 Month Share Certificate
0.35%$500-12 Month Youth Share Certificate

Catholic Family Credit Union IRA Rates

0.60%$1k-60 Month IRA Certificate
0.60%$500-60 Month CESA Certificate
0.55%$1k-48 Month IRA Certificate
0.55%$500-48 Month CESA Certificate
0.50%$1k-36 Month IRA Certificate
0.50%$500-36 Month CESA Certificate
0.45%$1k-24 Month IRA Certificate
0.45%$500-24 Month CESA Certificate
0.40%$1k-18 Month IRA Certificate
0.40%$500-18 Month CESA Certificate
0.35%$1k-12 Month IRA Certificate
0.35%$500-12 Month CESA Certificate

Catholic Family Credit Union Locations
Branch Office717 N Socora StWichita, KS 672123670