Kirtland Federal Credit Union (NCUA charter #12199) is based in Albuquerque, New Mexico. Its Q2 2026 call report shows $1.1B in total assets and $962.2M in member shares and deposits and 5 offices.
Based on its Q2 2026 filing, Kirtland Federal Credit Union scores 71/100, which we describe as strong. That is higher than 62% of 454 credit unions with $1 billion – $10 billion. Among 37 credit unions headquartered in New Mexico, it ranks 21st. Its strongest component is problem-loan coverage (91/100; 4.4%), and its lowest is earnings (42/100; 0.54%).
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 rose 5 points (66 → 71), mostly because the earnings component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 54 |
| Q4 2024 | 52 |
| Q1 2025 | 64 |
| Q2 2025 | 66 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 71 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.72% |
| Q3 2024 | 12.55% |
| Q4 2024 | 12.03% |
| Q1 2025 | 11.82% |
| Q2 2025 | 11.88% |
| Q3 2025 | 12.06% |
| Q4 2025 | 12.24% |
| Q1 2026 | 12.18% |
| Q2 2026 | 12.40% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.57% |
| Q3 2024 | 1.96% |
| Q4 2024 | 1.76% |
| Q1 2025 | 0.83% |
| Q2 2025 | 1.02% |
| Q3 2025 | 1.18% |
| Q4 2025 | 1.36% |
| Q1 2026 | 0.79% |
| Q2 2026 | 0.79% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.13% |
| Q3 2024 | -0.11% |
| Q4 2024 | -0.40% |
| Q1 2025 | -0.04% |
| Q2 2025 | 0.32% |
| Q3 2025 | 0.38% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.54% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $1.1B | 12.40% | 0.79% | 0.54% | 75.3% |
| Q1 2026 | 71 | $1.1B | 12.18% | 0.79% | 0.52% | 72.5% |
| Q4 2025 | 65 | $1.1B | 12.24% | 1.36% | 0.58% | 75.5% |
| Q3 2025 | 65 | $1.1B | 12.06% | 1.18% | 0.38% | 75.3% |
| Q2 2025 | 66 | $1.1B | 11.88% | 1.02% | 0.32% | 74.3% |
| Q1 2025 | 64 | $1.1B | 11.82% | 0.83% | -0.04% | 74.7% |
| Q4 2024 | 52 | $1.1B | 12.03% | 1.76% | -0.40% | 78.7% |
| Q3 2024 | 54 | $1.0B | 12.55% | 1.96% | -0.11% | 83.5% |
| Q2 2024 | 57 | $1.0B | 12.72% | 1.57% | -0.13% | 87.3% |
454 peers · $1 billion – $10 billion
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 |
|---|---|---|---|---|---|
| First Financial Credit UnionCredit union Albuquerque, NM | 50 out of 100, Below average | $1.1B | 8.1% | 1.40% | vs |
| State Employees Credit UnionCredit union Santa Fe, NM | 46 out of 100, Below average | $1.3B | 11.4% | 4.46% | vs |
| Sandia Area Federal Credit UnionCredit union Albuquerque, NM | 75 out of 100, Strong | $1.4B | 11.4% | 0.15% | vs |
| U.S. Eagle Federal Credit UnionCredit union Albuquerque, NM | 21 out of 100, Low | $1.5B | 7.8% | 6.91% | vs |
| Del Norte Credit UnionCredit union Los Alamos, NM | 66 out of 100, Moderate | $1.5B | 9.4% | 0.45% | vs |
| Sunward Federal Credit UnionCredit union Albuquerque, NM | 60 out of 100, Moderate | $4.6B | 8.9% | 0.40% | vs |
Deposit insurance
Is my money safe at Kirtland Federal Credit Union?
Yes. Kirtland Federal Credit Union is a federally insured credit union (NCUA charter #12199). 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 6.7% of shares and deposits ($64.1M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
5 locations
Branches
Kirtland Federal Credit Union lists 5 offices in 3 cities. Most locations:
- Albuquerque, NM (3)
- Los Lunas, NM (1)
- Rio Rancho, NM (1)
HMDA 2025
Mortgage lending
In 2025, Kirtland Federal Credit Union reported 899 home-loan applications under HMDA (LEI 2549008NZFLT1BQ8EN23): 504 originated ($82,950,000 total), 200 denied, and 72 withdrawn or closed by the applicant. Its denial rate on decided applications was 24.2%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| VISA PLATINUM CASH REBATE | — | $0 | — | 0.0% |
| VISA PLATINUM LOW RATE | 9.75% – 16.50% | $0 | — | 0.0% |
| VISA PLATINUM REWARDS | — | $0 | — | 0.0% |
Identity & history
Profile
- Legal name
- Kirtland Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12199
- RSSD ID
- 298188
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 6440 Gibson Blvd Se, Albuquerque, NM 87108
- Employees
- 179
Quick answers
Kirtland Federal Credit Union: common questions
Is Kirtland Federal Credit Union NCUA insured?
Yes. Kirtland Federal Credit Union is a federally insured credit union (NCUA charter #12199). 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 Kirtland Federal Credit Union's TellerScore?
71 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 Kirtland Federal Credit Union have?
5 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Albuquerque
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First New Mexico Bank of Silver CityBank Silver City, NM | 95 out of 100, Very strong | $147.5M | 14.3% | 0.16% | vs |
| DSRM National BankBank Albuquerque, NM | 94 out of 100, Very strong | $4.4M | 84.5% | 0.00% | vs |
| Main BankBank Albuquerque, NM | 82 out of 100, Strong | $245.2M | 11.5% | 0.00% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
| Citizens Bank of Las CrucesBank Las Cruces, NM | 76 out of 100, Strong | $1.2B | 10.4% | 0.43% | vs |
| Sandia Area Federal Credit UnionCredit union Albuquerque, NM | 75 out of 100, Strong | $1.4B | 11.4% | 0.15% | vs |