Four Corners Federal Credit Union Kirtland, New Mexico
Four Corners Federal Credit Union is a federal credit union headquartered in Kirtland, NM, established in 1965 (NCUA charter 16754), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,660 members and total assets of $14.8M (up 2.3% from Q2 2025), the 30th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 20.89% at Q2 2026, in the well capitalized band.
Also written as Four Corners FCU
BankRegReports is independent of Four Corners Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 16754
- Headquarters
- Kirtland, NM
- Established
- 1965
- Total assets, Q2 2026
- $14.8M
- Assets vs Q2 2025
- +2.3%
- Members, Q2 2026
- 4,660
- Net worth ratio, Q2 2026
- 20.89%
- Latest call report
- Q2 2026, NCUA 5300 · Four Corners Federal Credit Union call report
- Asset rank in state
- 30th of 37 in New Mexico
- Routing number
- 302284090
- Branches
- 1
It has 1,031 fewer members than on June 30, 2025 (-18.1%). Its net worth ratio was down 0.74 percentage points from 21.63% on June 30, 2025. New vehicle loans are its largest loan category, $5.6M of $10.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.08% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 20.89% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in New Mexico
Frequently asked about Four Corners Federal Credit Union
How big is Four Corners Federal Credit Union?
At Q2 2026 it reported total assets of $14.8M and 4,660 members.
Where is Four Corners Federal Credit Union headquartered?
It is headquartered in Kirtland, NM, United States.
When was Four Corners Federal Credit Union founded?
It was established in 1965, per NCUA records.
Is Four Corners Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 16754): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Four Corners Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Four Corners Federal Credit Union well capitalized?
Its net worth ratio was 20.89% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Four Corners Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.08% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Four Corners Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 90.70% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Kirtland, NM 87417
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1965
- NCUA Charter #
- 16754
- RSSD ID
- 654485
- Members
- 4,660
- Potential members
- 125,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 20.89% | 14.31% | 79th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.87% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -4.15% | 4.74% | 11th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.33% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 109.78% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.64% | 0.78% | 59th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.08% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.96% | 4.70% | 88th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 90.70% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$14.8M total assets against $14.5M; $11.7M total shares and deposits against $11.3M; $10.6M total loans against $9.9M.
$3.1M net worth against $3.1M.
20.89% net worth ratio against 21.63%.
90.70% loan-to-share ratio against 87.31%.
0.08% delinquency ratio against 0.78%.
-0.87% return on assets against 1.05%; -4.15% return on equity against 4.87%.
5.33% net interest margin against 5.27%.
4,660 members against 5,691.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 20.89% | -0.87% | 0.08% | 90.70% |
| March 31, 2026 | 20.56% | -0.49% | 0.48% | 80.39% |
| December 31, 2025 | 20.43% | 0.69% | 0.26% | 81.76% |
| September 30, 2025 | 21.53% | -0.53% | 0.52% | 90.29% |
| June 30, 2025 | 21.63% | 1.05% | 0.78% | 87.31% |
| March 31, 2025 | 21.45% | 3.08% | 0.58% | 85.71% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.