Four Corners Federal Credit Union (NCUA charter #16754) is based in Kirtland, New Mexico. Its Q2 2026 call report shows $14.8M in total assets and $11.7M in member shares and deposits and 1 office.
Four Corners Federal Credit Union has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 52% of its 2,479 credit unions with under $100 million in assets. Among 37 credit unions headquartered in New Mexico, it ranks 17th. Capital cushion contributes the most (100/100, 20.89%); earnings contributes the least (0/100, -0.68%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 14 points (89 → 75), mostly because the earnings component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 80 |
| Q4 2024 | 73 |
| Q1 2025 | 91 |
| Q2 2025 | 89 |
| Q3 2025 | 85 |
| Q4 2025 | 86 |
| Q1 2026 | 73 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 19.92% |
| Q3 2024 | 21.67% |
| Q4 2024 | 21.82% |
| Q1 2025 | 21.45% |
| Q2 2025 | 21.63% |
| Q3 2025 | 21.53% |
| Q4 2025 | 20.43% |
| Q1 2026 | 20.56% |
| Q2 2026 | 20.89% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.22% |
| Q4 2024 | 0.77% |
| Q1 2025 | 0.58% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.52% |
| Q4 2025 | 0.26% |
| Q1 2026 | 0.48% |
| Q2 2026 | 0.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.26% |
| Q3 2024 | 0.16% |
| Q4 2024 | 0.12% |
| Q1 2025 | 3.08% |
| Q2 2025 | 2.06% |
| Q3 2025 | 1.20% |
| Q4 2025 | 1.03% |
| Q1 2026 | -0.49% |
| Q2 2026 | -0.68% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $14.8M | 20.89% | 0.08% | -0.68% | 90.7% |
| Q1 2026 | 73 | $15.1M | 20.56% | 0.48% | -0.49% | 80.4% |
| Q4 2025 | 86 | $15.3M | 20.43% | 0.26% | 1.03% | 81.8% |
| Q3 2025 | 85 | $14.5M | 21.53% | 0.52% | 1.20% | 90.3% |
| Q2 2025 | 89 | $14.5M | 21.63% | 0.78% | 2.06% | 87.3% |
| Q1 2025 | 91 | $14.4M | 21.45% | 0.58% | 3.08% | 85.7% |
| Q4 2024 | 73 | $13.7M | 21.82% | 0.77% | 0.12% | 91.0% |
| Q3 2024 | 80 | $13.9M | 21.67% | 0.22% | 0.16% | 86.4% |
| Q2 2024 | 74 | $14.9M | 19.92% | 0.63% | -0.26% | 78.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Internationalites Federal Credit UnionCredit union Carlsbad, NM | 75 out of 100, Strong | $11.7M | 17.2% | 0.20% | vs |
| High Desert Community Credit UnionCredit union Aztec, NM | 69 out of 100, Moderate | $18.3M | 12.9% | 1.95% | vs |
| U-1st Community Federal Credit UnionCredit union Carlsbad, NM | 74 out of 100, Strong | $9.3M | 14.4% | 0.24% | vs |
| Quay Schools Federal Credit UnionCredit union Tucumcari, NM | 83 out of 100, Strong | $8.6M | 19.4% | 0.03% | vs |
| The Florist Federal Credit UnionCredit union Roswell, NM | 64 out of 100, Moderate | $7.1M | 15.1% | 1.90% | vs |
| Rincones Presbyterian Credit UnionCredit union Chacon, NM | 64 out of 100, Moderate | $6.5M | 10.3% | 1.55% | vs |
Deposit insurance
Is my money safe at Four Corners Federal Credit Union?
Yes. Four Corners Federal Credit Union is a federally insured credit union (NCUA charter #16754). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 2.3% of shares and deposits ($266K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 20.89%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Four Corners Federal Credit Union lists 1 office in 1 city. Most locations:
- Kirtland, NM (1)
Identity & history
Profile
- Legal name
- Four Corners Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 16754
- RSSD ID
- 654485
- Primary regulator
- NCUA
- Established
- 1965
- Headquarters
- 16 Road 6500, Kirtland, NM 87417
- Employees
- 14
Quick answers
Four Corners Federal Credit Union: common questions
Is Four Corners Federal Credit Union NCUA insured?
Yes. Four Corners Federal Credit Union is a federally insured credit union (NCUA charter #16754). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Four Corners Federal Credit Union's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Four Corners Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Kirtland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens BankBank Farmington, NM | 80 out of 100, Strong | $804.3M | 9.1% | 0.02% | vs |
| Four Corners Community BankBank Farmington, NM | 75 out of 100, Strong | $662.3M | 9.6% | 0.35% | vs |
| Zions Bancorporation, N.A.Bank Salt Lake City, UT | 67 out of 100, Moderate | $89.0B | 9.4% | 0.47% | vs |
| Bank of the SouthwestBank Roswell, NM | 64 out of 100, Moderate | $176.3M | 9.4% | 0.73% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |
| WaFd BankBank Seattle, WA | 61 out of 100, Moderate | $27.6B | 9.2% | 0.63% | vs |