Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
16 Road 6500
Kirtland, NM 87417

Four Corners Credit Union is headquartered in Kirtland and is the 27th largest credit union in the state of New Mexico. It is also the 3,361st largest credit union in the nation. It was established in 1965 and as of December of 2013, it had grown to 12 employees and 4,841 members. Four Corners Credit Union's CD rates are 73% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Must be an employee or retiree of BHP-Billiton or other select companies. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Four Corners Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Four Corners Credit Union had $251,000 in non-current loans and owned real-estate with $4.37 million in equity and loan loss allowances on hand to cover it. This gives Four Corners Credit Union a Texas Ratio of 5.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Four Corners Credit Union decreased slightly from 7.40% as of December 31, 2012 to 5.74% as of December 31, 2013, resulting in a positive change of 22.42%.This indicates that the balance sheet and financial strength for Four Corners Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Four Corners Credit Union has increased its total deposits by $1.08 million, resulting in 6.28% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Four Corners Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Four Corners Credit Union has $22.4 million in assets with $4.37 million in equity, resulting in a capitalization level of 19.52%, which is excellent.

Institution Statistics

NCUA #16754
Year Chartered1965
Primary Regulator
Assets and Liabilities
Assets$22.40 million
Loans$15.62 million
Deposits$18.27 million
Equity Capital$4.01 million
Loan Loss Allowance$362,000
Unbacked Noncurrent Loans$251,000
Real Estate Owned$0
Historic Data - December 2012
Assets$21.19 million
Equity Capital$3.92 million
Loan Loss Allowance$216,000
Unbacked Noncurrent Loans$251,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.22%
Return on Assets0.53%
Return on Equity2.97%
Interest Income$1.30 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Four Corners Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Four Corners Credit Union CD Rates

2.78%$25k-3 Year Jumbo Share Certificate
2.78%$25k-4 Year Jumbo Share Certificate
2.78%$25k-5 Year Jumbo Share Certificate
1.96%$25k-2 Year Jumbo Share Certificate
1.71%$1k-2 Year Share Certificate
1.56%$25k-1 Year Jumbo Share Certificate
1.56%$100k-1 Year Jumbo Share Certificate Special
1.31%$1k-1 Year Share Certificate
1.26%$25k-6 Month Jumbo Share Certificate
1.00%$1k-6 Month Share Certificate

Four Corners Credit Union IRA Rates

2.78%--5 Year IRA Certificate
1.96%--2 Year IRA Certificate
1.96%--2 Year Roth IRA Certificate
1.56%--1 Year IRA Certificate
1.26%--6 Month IRA Certificate

Four Corners Credit Union Locations
Branch Office16 Road 6500Kirtland, NM 87417