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Overview / Commentary
785-865-4586
P.O. Box 887
Lawrence, KS 66044

Jayhawk Credit Union is headquartered in LAWRENCE and is the 82nd largest credit union in the state of Kansas. It is also the 6,082nd largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 1,092 members. Jayhawk Credit Union has a F health rating.

Field of Membership Restrictions

Must be an employee of the Lawrence Paper Company or any of its subsidiaries; Perry Manufacturing, Jayhawk Boxes or Brad Systems. - See Details

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Health

Data for Q4 2013

Institution Health

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

Texas Ratio

GRADE:
F

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Jayhawk Credit Union had $265,000 in non-current loans and owned real-estate with $81,000 in equity and loan loss allowances on hand to cover it. This gives Jayhawk Credit Union a Texas Ratio of 327.16% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C-

The Texas Ratio for Jayhawk Credit Union increased slightly from 23.53% as of December 31, 2012 to 327.16% as of December 31, 2013, resulting in a negative change of 1,290.43%. This indicates that the balance sheet and financial strength for Jayhawk Credit Union has declined slightly in recent periods.

Deposit Growth

GRADE:
F

In the past year, Jayhawk Credit Union has decreased its total deposits by $-507,000, resulting in -24.03% 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 Jayhawk Credit Union has shown is poor.

Capitalization

GRADE:
C-

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. Jayhawk Credit Union has $1.54 million in assets with $81,000 in equity, resulting in a capitalization level of 5.28%, which is below average.

Institution Statistics

Overall
NCUA #3795
Year Chartered1940
Employees0
Primary Regulator
Assets and Liabilities
Assets$1.54 million
Loans$1.12 million
Deposits$1.60 million
Equity Capital($81,000)
Loan Loss Allowance$162,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$0
Historic Data - December 2012
Assets$2.30 million
Equity Capital$178,000
Loan Loss Allowance$26,000
Unbacked Noncurrent Loans$265,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin9.55%
Return on Assets-16.94%
Return on Equity0%
Interest Income$112,000
Rates
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Jayhawk Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$100-Share Savings Account
0.20%--Club Account

Jayhawk Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
0.55%$500-24 Month Share Certificate
0.50%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.25%$500-6 Month Share Certificate
Locations


Jayhawk Credit Union Locations
Branch Office2901 Lakeview RdLawrence, KS 66049