Federal credit union · Kirtland, New Mexico · NCUA charter #16754
Four Corners
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $15.3M
- Total assets
- 4,925
- Members
- 20.6%
- Net-worth ratio
Four Corners scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $15.3M; members 4,925; net-worth ratio 20.56%; health rank #2,810 of 4,374; healthier than 33rd of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,810 of 4,374 health · 2025Q4Four Corners · health 79/100 · $15.3M · 2025Q4
Call Report peers
Four Corners in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Four Corners vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Four Corners sits in 75-79 with 502 others.
79 33rd percentile higher than 33% 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
Peer-gap read for Four Corners
- Largest favorable gap: Loan-to-Share Ratio at 81.76% vs peer 59.80% (+21.96 pp).
- Largest lag: Return on Assets at 0.11% vs peer 0.70% (-0.59 pp).
Four Corners: in-state Call Report ranks
- New Mexico health ordinal: #26 of 37.
- New Mexico assets place: #30 of 37.
- Member book place in New Mexico: #18 of 37.
- One place up in New Mexico, Sandia Area (#25) scores 81/100, 2 points higher; one place down, CUBA (#27) ties at 79/100.
Four Corners Call Report trajectory
Four Corners: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $15.3M (2025Q4) to $15.1M (2026Q1).
- Net-worth ratio shifted +0.13 pp (20.43% → 20.56%).
This credit union's 20.56% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Four Corners gives up 21 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 9.2 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Four Corners
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.56% | +5.70 pp |
| Delinquency Rate | 0.26% | -0.88 pp |
| Return on Assets | 0.11% | -0.59 pp |
| Member Growth | -15.00% | - |
| Loan-to-Share Ratio | 81.76% | +21.96 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Four Corners filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $15.1M | - |
| 2025Q4 | $15.3M | 4,925 |
| 2024Q4 | $13.7M | 5,794 |
| 2023Q4 | $15.8M | 5,939 |
Credit Union Details
- Charter Number
- 16754
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Mexico
- City
- Kirtland
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Four Corners runs one office.
| Office | City |
|---|---|
| Four Corners Federal Credit Union (Main Office) | Kirtland, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Four Corners nationwide neighbourhoods
Using this data
- Four Corners ranks #2,810 of 4,374 nationally on financial health and #26 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- High Desert Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with High Desert Community
Frequently Asked Questions
Is Four Corners financially healthy?
On its 2025Q4 NCUA 5300 filing, Four Corners scores 79/100 (Very Good), with a 20.56% net worth ratio and 0.26% of loans delinquent. It ranks #2,810 of 4,374 nationally on health and #26 of 37 in New Mexico.
How does Four Corners compare to other credit unions?
Four Corners scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.76% vs 59.80%). Its widest shortfall is return on assets (0.11% vs 0.70%).
How can I join Four Corners?
Four Corners 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 Four Corners directly for the exact boundaries and application steps.
Is my money safe at Four Corners?
Four Corners is a federal credit union; its shares are federally 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. Four Corners's net worth ratio of 20.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.