Federal credit union · KANSAS CITY, Kansas · NCUA charter #5589
Kc Fairfax
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $6.6M
- Total assets
- 1,794
- Members
- 9.5%
- Net-worth ratio
Kc Fairfax scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.6M; members 1,794; net-worth ratio 9.49%; health rank #4,140 of 4,374; healthier than 5th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,140 of 4,374 health · 2025Q4Kc Fairfax · health 57/100 · $6.6M · 2025Q4
- NCUSIF 57/100
- CAMELS 9.5%
- HEALTH 1.50%
- NW -1.39%
- DELQ $6.6M
- ROA 1,794
- ASSETS #4,140/4,374
- MEM n/a
- RANK 5589
Call Report peers
Kc Fairfax carries $6.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Kc Fairfax vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Kc Fairfax - Share Insurance Coverage
Charter #5589's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Kc Fairfax
- Delinquency Rate leads the peer set - 1.50% here, 1.81% peer average (-0.31 pp).
- Net Worth Ratio trails the peer set - 9.49% here, 19.06% peer average (-9.57 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Kc Fairfax: in-state Call Report ranks
- Health composite ranks #58 of 61 among scored Kansas credit unions.
- Assets rank #47 of 61 inside Kansas ($6.6M reported).
- Membership ranks #43 of 61 among Kansas CUs with a reported count (1,794 members).
In-state ordinals use the live credit_unions table for KS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Kc Fairfax Call Report trajectory
Kc Fairfax: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.2% from $6.6M (2025Q4) to $6.5M (2026Q1).
- Net-worth ratio shifted -0.37 pp (9.86% → 9.49%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 9.49%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 16.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 12.0 pts
Kc Fairfax health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.49% | -9.57 pp |
| Delinquency Rate | 1.50% | -0.31 pp |
| Return on Assets | -1.39% | -1.84 pp |
| Member Growth | -10.26% | - |
| Loan-to-Share Ratio | 55.75% | -7.85 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Kc Fairfax quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.5M | - |
| 2025Q4 | $6.6M | 1,794 |
| 2024Q4 | $7.3M | 1,999 |
| 2023Q4 | $7.5M | 2,000 |
Credit Union Details
- Charter Number
- 5589
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Kansas
- City
- KANSAS CITY
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Kc Fairfax.
| Office | City |
|---|---|
| KC Fairfax Federal Credit Union (Main Office) | Kansas City, KS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kansas
Other federally-insured credit unions in Kansas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Kc Fairfax's nationwide photo peers by assets and by health score, excluding Kansas charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- Kc Fairfax ranks #4,140 of 4,374 nationally on financial health and #58 of 61 in KS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Peoples Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Peoples Choice
- Rates and health both vary by institution, not just by state -- see how Kansas credit unions compare overall before assuming this one is typical. Kansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Kc Fairfax financially healthy?
Yes/no aside, the number is 57/100 (Fair) - Kc Fairfax's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,140 of 4,374; by total assets it ranks #3,756 of 4,374 nationally (same basis as /rankings/largest); and #47 of 61 within Kansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.49% net worth ratio and 1.50% delinquency rate are the key drivers.
How does Kc Fairfax compare to other credit unions?
Kc Fairfax scores 57/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Kc Fairfax?
Kc Fairfax operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Kc Fairfax directly for the exact boundaries and application steps.
Is my money safe at Kc Fairfax?
Federal credit unions like Kc Fairfax are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Kc Fairfax's net worth ratio of 9.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Kc Fairfax offer compared to banks?
Credit unions like Kc Fairfax are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Kc Fairfax directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.