Side-by-side · Q2 2026 data
Sunward Federal Credit Union vs Kirtland Federal Credit Union
Metric by metric
| Measure | Sunward Federal Credit Union | Kirtland Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 39 | 74 (stronger) |
| Loan quality | 87 (stronger) | 74 |
| Earnings | 35 | 42 (stronger) |
| Funding & liquidity | 67 | 85 (stronger) |
| Problem-loan coverage | 93 (stronger) | 91 |
| Peer percentile | 25th | 62nd |
| Total assets | $4.6B | $1.1B |
| Deposits / shares | $3.5B | $962.2M |
| Capital ratio | 8.91% | 12.40% (stronger) |
| Problem loans | 0.40% (stronger) | 0.79% |
| Net charge-offs | 0.36% (stronger) | 0.97% |
| Return on assets | 0.37% | 0.54% (stronger) |
| Loans ÷ deposits | 93.3% | 75.3% (stronger) |
| Uninsured deposits | 12.4% | 6.7% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | 24.2% |
Kirtland Federal Credit Union has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Sunward Federal Credit Union leads on 2 and Kirtland Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.