Kirtland Federal Credit Union Albuquerque, New Mexico
Kirtland Federal Credit Union is a federal credit union headquartered in Albuquerque, NM, established in 1958 (NCUA charter 12199), and it is regulated and insured by the NCUA. At Q2 2026 it reported 50,805 members and total assets of $1.10B (up 1.5% from Q2 2025), the 8th largest of 37 credit unions headquartered in New Mexico. Its net worth ratio was 12.40% at Q2 2026, in the well capitalized band.
Also written as Kirtland FCU · Trade name filed with the NCUA: Your Wingman
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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
- 12199
- Headquarters
- Albuquerque, NM
- Established
- 1958
- Total assets, Q2 2026
- $1.10B
- Assets vs Q2 2025
- +1.5%
- Members, Q2 2026
- 50,805
- Net worth ratio, Q2 2026
- 12.40%
- Latest call report
- Q2 2026, NCUA 5300 · Kirtland Federal Credit Union call report
- Asset rank in state
- 8th of 37 in New Mexico
- Routing number
- 307070050
- Branches
- 10
It has 1,233 fewer members than on June 30, 2025 (-2.4%). Its net worth ratio was up 0.52 percentage points from 11.88% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $430.7M of $724.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.79% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.40% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in New Mexico
Frequently asked about Kirtland Federal Credit Union
How big is Kirtland Federal Credit Union?
At Q2 2026 it reported total assets of $1.10B and 50,805 members.
Where is Kirtland Federal Credit Union headquartered?
It is headquartered in Albuquerque, NM, United States.
When was Kirtland Federal Credit Union founded?
It was established in 1958, per NCUA records.
Is Kirtland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 12199): 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 Kirtland Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Kirtland Federal Credit Union well capitalized?
Its net worth ratio was 12.40% 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 Kirtland Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.79% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Kirtland Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 75.29% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Albuquerque, NM 87108
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 12199
- RSSD ID
- 298188
- Members
- 50,805
- Potential members
- 150,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.40% | 10.89% | 72nd above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.56% | 0.89% | 23rd bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 4.52% | 8.07% | 20th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.44% | 3.45% | 50th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 74.61% | 70.59% | 35th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.51% | 1.68% | 64th above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.79% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.95% | 5.12% | 40th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 75.29% | 88.03% | 22nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.10B total assets against $1.08B; $962.2M total shares and deposits against $950.4M; $724.5M total loans against $705.9M.
$136.5M net worth against $128.9M.
12.40% net worth ratio against 11.88%.
75.29% loan-to-share ratio against 74.27%.
0.79% delinquency ratio against 1.02%.
0.56% return on assets against 0.68%; 4.52% return on equity against 5.72%.
3.44% net interest margin against 3.06%.
50,805 members against 52,038.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.40% | 0.56% | 0.79% | 75.29% |
| March 31, 2026 | 12.18% | 0.52% | 0.79% | 72.53% |
| December 31, 2025 | 12.24% | 1.20% | 1.36% | 75.46% |
| September 30, 2025 | 12.06% | 0.49% | 1.18% | 75.29% |
| June 30, 2025 | 11.88% | 0.68% | 1.02% | 74.27% |
| March 31, 2025 | 11.82% | -0.04% | 0.83% | 74.69% |
Scroll sideways to see every column.
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.