Kc Fairfax Credit Union

Kc Fairfax Credit Union is headquartered in Kansas City and is the 51^st largest credit union in the state of Kansas. It is also the 4,631^st largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 4 employees and 2,522 members. Kc Fairfax Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics KC FAIRFAX NCUA # 5589 BankRate Report View Year Chartered 1947 Employees 4 Primary Regulator Assets and Liabilities Assets $9.92 million Loans $5.16 million Deposits $8.45 million Equity Capital $1.45 million Loan Loss Allowance $51,000 Unbacked Noncurrent Loans $97,000 Real Estate Owned $164,000 Historic Data - December 2010 Assets $9.71 million Equity Capital $1.47 million Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $132,000 Real Estate Owned $89,000 Profit Margin - Quarterly Net Interest Margin 7.85% Return on Assets -0.18% Return on Equity -1.24% Interest Income $515,000 Non-Interest Income $102,000

Institution Health Overall Score: 4 out of 5 Texas Ratio 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, 2011 Kc Fairfax Credit Union had $261,000 in non-current loans and owned real-estate with $1.5 million in equity and loan loss allowances on hand to cover it. This gives Kc Fairfax Credit Union a Texas Ratio of 17.34% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kc Fairfax Credit Union held steady from 14.38% as of December 31, 2010 to 17.34% as of December 31, 2011, resulting in a negative change of 20.61%. This indicates that the balance sheet and financial strength for Kc Fairfax Credit Union has held steady in recent periods. Deposit Growth In the past year, Kc Fairfax Credit Union has increased its total deposits by $235,000, resulting in 2.86% 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 Kc Fairfax Credit Union has shown is above average. Capitalization 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. Kc Fairfax Credit Union has $9.92 million in assets with $1.5 million in equity, resulting in a capitalization level of 15.17%, which is excellent.

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