Federal credit union · ALBUQUERQUE, New Mexico · NCUA charter #12199
KIRTLAND
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $1.09B
- Total assets
- 50,767
- Members
- 12.2%
- Net-worth ratio
KIRTLAND scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.09B; members 50,767; net-worth ratio 12.18%; health rank #3,713 of 4,374; healthier than 15th of scored peers.
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NCUA 5300 Call Report Masthead
#3,713 of 4,374 health · 2025Q4KIRTLAND · health 68/100 · $1.09B · 2025Q4
Call Report peers
KIRTLAND in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
KIRTLAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); KIRTLAND sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
KIRTLAND: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 12.18% vs peer 11.18% (+1.00 pp).
- Largest lag: Loan-to-Share Ratio at 75.46% vs peer 83.90% (-8.44 pp).
KIRTLAND: in-state Call Report ranks
- In New Mexico, health place is #32 of 37 on the same NCUA-ratio sort used nationally.
- New Mexico assets place: #8 of 37.
- New Mexico membership ordinal: #8 of 37.
- One place up in New Mexico, Rincones Presbyterian (#31) scores 70/100, 2 points higher; one place down, The Florist (#33) scores 66/100, 2 points lower.
Quarter path for KIRTLAND
KIRTLAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.09B (2025Q4) to $1.11B (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.24% → 12.18%).
This credit union's 12.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
KIRTLAND gives up 32 points in total. Return on Assets costs the most, 14 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 1.0 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 15.0 pts
KIRTLAND vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.18% | +1.00 pp |
| Delinquency Rate | 1.36% | +0.48 pp |
| Return on Assets | -0.39% | -0.89 pp |
| Member Growth | -2.40% | - |
| Loan-to-Share Ratio | 75.46% | -8.44 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
KIRTLAND filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.11B | - |
| 2025Q4 | $1.09B | 50,767 |
| 2024Q4 | $1.06B | 52,015 |
| 2023Q4 | $1.09B | 52,416 |
Credit Union Details
- Charter Number
- 12199
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New Mexico
- City
- ALBUQUERQUE
- Data Quarter
- 2025Q4
Branch Locations (10)
KIRTLAND operates 10 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Kirtland Federal Credit Union (Main Office) | Albuquerque, NM |
| Kirtland Federal Credit Union West Alameda Branch | Albuquerque, NM |
| Kirtland Federal Credit Union Montgomery Branch | Albuquerque, NM |
| KAFB Exchange Branch | Albuquerque, NM |
| Home Loan Center | Albuquerque, NM |
| Coors Pavillion | Albuquerque, NM |
| Paseo Holly Plaza | Albuquerque, NM |
| MAXQ Branch | Albuquerque, NM |
| Los Lunas | Los Lunas, NM |
| Rockaway Rio Rancho | Rio Rancho, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
More federally-insured credit unions based in New Mexico, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- KIRTLAND ranks #3,713 of 4,374 nationally on financial health and #32 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Financial
Frequently Asked Questions
Is KIRTLAND financially healthy?
On its 2025Q4 NCUA 5300 filing, KIRTLAND scores 68/100 (Good), with a 12.18% net worth ratio and 1.36% of loans delinquent. It ranks #3,713 of 4,374 nationally on health and #32 of 37 in New Mexico.
How does KIRTLAND compare to other credit unions?
KIRTLAND scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.18% vs 11.18%). Its widest shortfall is loan-to-share ratio (75.46% vs 83.90%).
How can I join KIRTLAND?
KIRTLAND 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 KIRTLAND directly for the exact boundaries and application steps.
Is my money safe at KIRTLAND?
KIRTLAND 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. KIRTLAND's net worth ratio of 12.18% 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.