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Overview / Commentary
104 Sunshine Rd
Kansas City, KS 66115

Kc Fairfax Credit Union is headquartered in Kansas City and is the 52nd largest credit union in the state of Kansas. It is also the 4,536th largest credit union in the nation. It was established in 1947 and as of December of 2013, it had grown to 3 employees and 2,602 members. Kc Fairfax Credit Union's savings rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Must live or work in Wyandotte County. - See Details

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Data for Q4 2013

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. Kc Fairfax Credit Union has a very low asset base.

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, 2013 Kc Fairfax Credit Union had $135,000 in non-current loans and owned real-estate with $1.4 million in equity and loan loss allowances on hand to cover it. This gives Kc Fairfax Credit Union a Texas Ratio of 9.62% which is excellent. 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 decreased dramatically from 14.72% as of December 31, 2012 to 9.62% as of December 31, 2013, resulting in a positive change of 34.61%.This indicates that the balance sheet and financial strength for Kc Fairfax Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Kc Fairfax Credit Union has increased its total deposits by $14,000, resulting in 0.17% 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.



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 $9.34 million in assets with $1.4 million in equity, resulting in a capitalization level of 15.02%, which is excellent.

Institution Statistics

NCUA #5589
Year Chartered1947
Primary Regulator
Assets and Liabilities
Assets$9.34 million
Loans$4.89 million
Deposits$8.02 million
Equity Capital$1.30 million
Loan Loss Allowance$108,000
Unbacked Noncurrent Loans$75,000
Real Estate Owned$60,000
Historic Data - December 2012
Assets$9.42 million
Equity Capital$1.39 million
Loan Loss Allowance$67,000
Unbacked Noncurrent Loans$75,000
Real Estate Owned$111,000
Profit Margin - Quarterly
Net Interest Margin8.24%
Return on Assets-1.06%
Return on Equity-7.64%
Interest Income$480,000
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Kc Fairfax Credit Union Savings Account Rates

2.01%$5k-Coverdell Education Savings
0.55%$5k-IRA Savings
0.55%$5k-Roth IRA Savings
0.25%--Share Account
0.15%--Christmas Club
0.15%--Kick Account
0.15%-$5kShare Loan Account

Kc Fairfax Credit Union Checking Account Rates

0.15%--Checking Account

Kc Fairfax Credit Union CD Rates

0.85%--36 Month Share Certificate
0.65%--24 Month Share Certificate
0.50%--12 Month Share Certificate
0.30%--6 Month Share Certificate
0.25%--90 Day Share Certificate

Kc Fairfax Credit Union IRA Rates

1.25%--36 Month IRA (Traditional,CESA,Roth)
1.15%--24 Month IRA (Traditional,CESA,Roth)

Kc Fairfax Credit Union Locations
Branch Office104 Sunshine RdKansas City, KS 66115-1314