Credit Union Safety Analysis
Is Kirtland Federal Credit Union Safe? Albuquerque, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Kirtland Federal Credit Union has a net worth ratio of 12.40%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.79%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Kirtland Federal Credit Union's net worth ratio is 12.40%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.40%
- Delinquency ratio (60+ days) (Q2 2026): 0.79%
- Return on assets (Q2 2026): 0.56%
- Loan-to-share ratio (Q2 2026): 75.29%
Kirtland Federal Credit Union (NCUA charter 12199, established 1958) reported $1.10B in assets and 50,805 members for Q2 2026 from Albuquerque, New Mexico. It ranks 8 of 37 credit unions in New Mexico by total assets. Total assets grew 1.5% from $1.08B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.18% for Q1 2026; 11.88% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.79% for Q1 2026; 1.02% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.52% for Q1 2026; 0.68% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 72.53% for Q1 2026; 74.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $430.7M
- Used vehicle loans: $148.3M
- New vehicle loans: $79.5M
- Unsecured credit card loans: $36.0M
- Other unsecured loans and lines of credit: $16.6M
- Other secured non-real estate loans and lines of credit: $13.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.10B | 12.40% | 0.79% | 0.56% | 75.29% |
| March 31, 2026 | $1.11B | 12.18% | 0.79% | 0.52% | 72.53% |
| December 31, 2025 | $1.09B | 12.24% | 1.36% | 1.20% | 75.46% |
| September 30, 2025 | $1.08B | 12.06% | 1.18% | 0.49% | 75.29% |
| June 30, 2025 | $1.08B | 11.88% | 1.02% | 0.68% | 74.27% |
| March 31, 2025 | $1.08B | 11.82% | 0.83% | -0.04% | 74.69% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Kirtland Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 12199) · FFIEC NIC profile (RSSD 298188)
Frequently asked questions
Is Kirtland Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Kirtland Federal Credit Union's net worth ratio is 12.40%, above the 7% NCUA threshold for well capitalized.
Is Kirtland Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Kirtland Federal Credit Union is a federally insured credit union (NCUA charter 12199): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Kirtland Federal Credit Union's key safety ratios?
For Q2 2026, Kirtland Federal Credit Union reports net worth 12.40%, delinquency 0.79%, ROA 0.56%, loan-to-share 75.29%.
What happens to my money if Kirtland Federal Credit Union fails?
For Q2 2026, Kirtland Federal Credit Union held $962.2M in shares and deposits for 50,805 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.