Federal credit union · Kirtland, New Mexico · NCUA charter #16754
Four Corners
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $15.3M
- Total assets
- 4,925
- Members
- 20.4%
- Net-worth ratio
Four Corners - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #16754. See our deposit-insurance coverage note.
Four Corners - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)61
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 20.43% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.43% | 30% |
| Delinquency Rate | 0.26% | 25% |
| Return on Assets | 0.11% | 15% |
| Member Growth | -15.00% | 15% |
| Loan-to-Share Ratio | 81.76% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Four Corners
Charter #16754, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Four Corners, a federal credit union in Kirtland, New Mexico with 4,925 members, $15.3M in total assets, and $9.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 20.43% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.26% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 81.76% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.11% on net income of $17K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -15.00%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Four Corners financially healthy?
Four Corners has a financial health score of 79/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.43% and delinquency rate of 0.26%.
How does Four Corners compare to other credit unions?
Five weighted metrics from NCUA filings produce Four Corners's 79/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like Four Corners 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. Four Corners's net worth ratio of 20.43% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Four Corners offer compared to banks?
Credit unions like Four Corners 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 Four Corners directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.