# KC FAIRFAX
KANSAS CITY, KS · NCUA charter 5589 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kc-fairfax-5589

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated. 1,760 members of 50,000 potential (3.5% of the field); checking penetration 31% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *stressed*. Composite score 7 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $6.5M |
| Members | 1,760 (-12.5% YoY) |
| Full-time staff | 4 |
| Net worth | $621,709 |
| Net worth ratio | 9.5% (p13 of band) |
| ROA (annualized) | -1.56% (p7 of band) |
| Total delinquency | 2.09% (p79 of band) |
| Net charge-offs (annualized) | -3.55% (p0 of band) |
| Loans / shares | 54% (p45 of band) |
| Cash / assets | 49.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.39% (p31 of band) |
| Operating expense / assets | 6.49% (p92 of band) |
| Vehicles % of loans | 37% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 161% (p98 of band) |
| Vehicle delinquency | 3.25% (p89 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 41% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 71% |
| Certificates % of member funds | 26% |
| Average share balance | $2,249 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $999,372 |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $7,432 |
| Loans granted, annualized | $730,188 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $999,372 outstanding purchased (160.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -11.6% year over year.

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | losing money, expense trap, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 3 |  | charge-offs p90 |
| 2016-09 | 5 | net worth falling, charge-offs p90 |  |
| 2016-12 | 5 |  |  |
| 2017-03 | 5 |  |  |
| 2017-06 | 3 |  | expense trap, delinquency 2x band |
| 2017-09 | 4 | delinquency 2x band |  |
| 2017-12 | 5 | expense trap |  |
| 2018-03 | 4 |  | delinquency 2x band |
| 2018-06 | 6 | delinquency 2x band, assets shrinking, members leaving | net worth falling |
| 2018-09 | 5 | loan book shrinking | losing money, delinquency 2x band |
| 2018-12 | 6 | delinquency 2x band |  |
| 2019-03 | 6 | margin squeeze, delinquency rising, auto monoline | charge-offs p90, expense trap, loan book shrinking |
| 2019-06 | 4 |  | members leaving, auto monoline |
| 2019-09 | 5 | losing money, expense trap | margin squeeze |
| 2019-12 | 7 | net worth falling, charge-offs p90 |  |
| 2020-03 | 3 |  | losing money, expense trap, net worth falling, charge-offs p90 |
| 2020-06 | 2 | expense trap | assets shrinking, delinquency rising |
| 2020-09 | 8 | net worth falling, losing money, charge-offs p90, assets shrinking, members leaving, loan book shrinking |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 8 | margin squeeze, auto monoline | charge-offs p90, assets shrinking |
| 2021-06 | 8 | charge-offs p90, assets shrinking | members leaving, auto monoline |
| 2021-09 | 5 |  | net worth falling, losing money, assets shrinking |
| 2021-12 | 5 |  |  |
| 2022-03 | 3 |  | loan book shrinking, charge-offs p90 |
| 2022-06 | 4 | members leaving |  |
| 2022-09 | 3 |  | margin squeeze |
| 2022-12 | 3 | assets shrinking | members leaving |
| 2023-03 | 4 | losing money |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 4 |  | expense trap |
| 2024-06 | 5 | expense trap |  |
| 2024-09 | 5 | delinquency rising | assets shrinking |
| 2024-12 | 4 |  | net worth falling |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 6 | net worth falling, delinquency rising, charge-offs p90 |  |
| 2025-09 | 5 | assets shrinking, members leaving | delinquency 2x band, net worth falling, delinquency rising |
| 2025-12 | 7 | delinquency 2x band, loan book shrinking |  |
| 2026-03 | 7 | 3rd-party paper>100% NW | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-11-03 [Scott Barnett Obituary (1973 - 2018) - Kansas City, MO - Kansas City Star - legacy.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxOSzA0MmZLWFJTc19ydF9MLXNwR3BtLXFPM0RzR1hqb3JtY050bFJjQnhvSFZ6bGUtZ3VSS1VRYUNLNG83NDZXeXB1NHc4dmxKa21TRlgzWjhPWmlLUXU3azlxMWtJOHdXOFFDdmp6LTdqcjRqcWFjZlVDTTBSQzRJU3JnZ2FWcFZwTGc3TXY4dw?oc=5) · legacy.com
- 2011-12-14 [New Suits – Jackson County Circuit Court - Missouri Lawyers Media](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQdVBSRDBkQThIWTU5bjlQRXJycWE1emxOVEE0Y2pXenU1MjRwQlVvd25xVU8tdU96SXpCWEVBcG9LVTU4NVFTUm5ETUhMV21hMk5laHo5XzdxY001aUV5LUQ5Qlo3U3kxTUZkQlk4UDZuTUtkY3hBM0c0WWxXVlVxT3Q3QWRNQldL?oc=5) · Missouri Lawyers Media

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5589 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "5589", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=5589
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide