Side-by-side · Q2 2026 data
Kirtland Federal Credit Union vs State Employees Credit Union
Credit union
State Employees Credit Union
Santa Fe, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Kirtland Federal Credit Union | State Employees Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 46 |
| Capital cushion | 74 (stronger) | 64 |
| Loan quality | 74 (stronger) | 0 |
| Earnings | 42 | 57 (stronger) |
| Funding & liquidity | 85 (stronger) | 77 |
| Problem-loan coverage | 91 (stronger) | 41 |
| Peer percentile | 62nd | 4th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $962.2M | $1.1B |
| Capital ratio | 12.40% (stronger) | 11.38% |
| Problem loans | 0.79% (stronger) | 4.46% |
| Net charge-offs | 0.97% (stronger) | 1.05% |
| Return on assets | 0.54% | 0.91% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 83.4% |
| Uninsured deposits | 6.7% | 4.7% (stronger) |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.2% | — |
Kirtland Federal Credit Union has the higher TellerScore (71 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Kirtland Federal Credit Union leads on 5 and State Employees Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.