Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Kirtland Federal Credit Union
Metric by metric
| Measure | Citizens Bank of Las Cruces | Kirtland Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 71 |
| Capital cushion | 54 | 74 (stronger) |
| Loan quality | 86 (stronger) | 74 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 56 | 85 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 80th | 62nd |
| Total assets | $1.2B | $1.1B |
| Deposits / shares | $1.0B | $962.2M |
| Capital ratio | 10.42% | 12.40% (stronger) |
| Problem loans | 0.43% (stronger) | 0.79% |
| Net charge-offs | 0.00% (stronger) | 0.97% |
| Return on assets | 2.25% (stronger) | 0.54% |
| Loans ÷ deposits | 81.5% | 75.3% (stronger) |
| Uninsured deposits | 35.5% | 6.7% (stronger) |
| Offices | 9 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 24.2% |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 4 and Kirtland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.