Kirtland
Albuquerque, NM · Charter 12199 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 11 branches
Q2 2026
$1.1BAssets
$724.5MLoans
$962.2MShares
$136.5MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 73% of credit unions $1B-$10B in assets (rank 119 of 435).
- Widest gap: return on equity trails 81% of credit unions $1B-$10B in assets (rank 352 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.54%
Rank 330 of 435
Net Interest Margin
3.41%
Rank 214 of 435
Efficiency Ratio
74.70%
Rank 267 of 435
Equity / Assets
12.40%
Rank 119 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 24% | 330 / 435 | |
| Return on Equity | 4.38% | 5.12% | 7.41% | 9.70% | Beats 19% | 352 / 435 | |
| Net Interest Margin | 3.41% | 3.01% | 3.39% | 3.75% | Beats 51% | 214 / 435 | |
| Efficiency Ratio | 74.70% | 65.25% | 71.39% | 77.86% | Beats 39% | 267 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.79% | 0.45% | 0.69% | 1.05% | Beats 42% | 255 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.40% | 9.81% | 10.84% | 12.63% | Beats 73% | 119 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.40% | 9.81% | 10.84% | 12.63% | Beats 73% | 119 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 75.29% | 78.33% | 88.38% | 95.61% | 20th pctl | 346 / 435 | |
| Loans / Assets | 65.80% | 67.69% | 74.58% | 80.80% | 20th pctl | 346 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |