Side-by-side · Q2 2026 data
Kirtland Federal Credit Union vs First Financial Credit Union
Credit union
First Financial Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Kirtland Federal Credit Union | First Financial Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 50 |
| Capital cushion | 74 (stronger) | 31 |
| Loan quality | 74 (stronger) | 53 |
| Earnings | 42 (stronger) | 32 |
| Funding & liquidity | 85 | 86 (stronger) |
| Problem-loan coverage | 91 (stronger) | 77 |
| Peer percentile | 62nd | 6th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $962.2M | $1.0B |
| Capital ratio | 12.40% (stronger) | 8.12% |
| Problem loans | 0.79% (stronger) | 1.40% |
| Net charge-offs | 0.97% | 0.74% (stronger) |
| Return on assets | 0.54% (stronger) | 0.29% |
| Loans ÷ deposits | 75.3% | 73.8% (stronger) |
| Uninsured deposits | 6.7% | 6.0% (stronger) |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.2% | 19.0% |
Kirtland Federal Credit Union has the higher TellerScore (71 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Kirtland Federal Credit Union leads on 4 and First Financial Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.