Side-by-side · Q2 2026 data
Sandia Area Federal Credit Union vs Kirtland Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Sandia Area Federal Credit Union | Kirtland Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 64 | 74 (stronger) |
| Loan quality | 95 (stronger) | 74 |
| Earnings | 68 (stronger) | 42 |
| Funding & liquidity | 60 | 85 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 75th | 62nd |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.3B | $962.2M |
| Capital ratio | 11.44% | 12.40% (stronger) |
| Problem loans | 0.15% (stronger) | 0.79% |
| Net charge-offs | 0.25% (stronger) | 0.97% |
| Return on assets | 1.21% (stronger) | 0.54% |
| Loans ÷ deposits | 99.8% | 75.3% (stronger) |
| Uninsured deposits | 13.6% | 6.7% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 24.2% |
Sandia Area Federal Credit Union has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Sandia Area Federal Credit Union leads on 4 and Kirtland Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.