Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
6440 Gibson Blvd SE
Albuquerque, NM 87108

Kirtland Credit Union is headquartered in Albuquerque and is the 4th largest credit union in the state of New Mexico. It is also the 336th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 130 employees and 44,592 members. Kirtland Credit Union's money market rates are 14% higher than the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must be a military or civilian personnel on Kirtland Air Force Base, U.S. Reserve Forces in New Mexico, the New Mexico National Guard or be an employee of several Select Employee Groups. - See Details

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


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Kirtland Credit Union had $4.88 million in non-current loans and owned real-estate with $85.61 million in equity and loan loss allowances on hand to cover it. This gives Kirtland Credit Union a Texas Ratio of 5.70% 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 Kirtland Credit Union experienced no significant changes from 4.86% as of March 31, 2013 to 5.70% as of March 31, 2014, resulting in a negative change of 17.46%. This indicates that the balance sheet and financial strength for Kirtland Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Kirtland Credit Union has increased its total deposits by $28.23 million, resulting in 5.19% 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 Kirtland 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. Kirtland Credit Union has $674.06 million in assets with $85.61 million in equity, resulting in a capitalization level of 12.70%, which is excellent.

Institution Statistics

NCUA #12199
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$674.06 million
Loans$495.83 million
Deposits$571.96 million
Equity Capital$82.22 million
Loan Loss Allowance$3.40 million
Unbacked Noncurrent Loans$4.04 million
Real Estate Owned$845,000
Historic Data - March 2013
Assets$643.04 million
Equity Capital$76.75 million
Loan Loss Allowance$3.76 million
Unbacked Noncurrent Loans$4.04 million
Real Estate Owned$772,000
Profit Margin - Quarterly
Net Interest Margin0.9%
Return on Assets0.71%
Return on Equity5.83%
Interest Income$5.75 million

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

Kirtland Credit Union Savings Account Rates

0.10%$25-Main Share Account
0.10%$25-Savings Account

Kirtland Credit Union Money Market Rates

0.50%$100k-Insured Money Management Account
0.50%$100k-IRA Contributory Account

Kirtland Credit Union Checking Account Rates

0.05%$500-Share Draft Checking Account

Kirtland Credit Union CD Rates

2.24%$200k-60 Month Share Certificate
1.95%$200k-48 Month Share Certificate
1.54%$200k-36 Month Share Certificate
1.02%$200k-24 Month Share Certificate
0.48%$200k-12 Month Share Certificate
0.43%$200k-6 Month Share Certificate
0.41%$200k-3 Month Share Certificate

Kirtland Credit Union IRA Rates

2.24%$200k-60 Month IRA Certificate
1.95%$200k-48 Month IRA Certificate
1.54%$200k-36 Month IRA Certificate
1.02%$200k-24 Month IRA Certificate
0.48%$200k-12 Month IRA Certificate
0.43%$200k-6 Month IRA Certificate
0.41%$200k-3 Month IRA Certificate

Kirtland Credit Union Locations
Branch Office8900 Montgomery Blvd NEAlbuquerque, NM 87111
Branch Office3650 Sherman Ave SEKirtland AFB, NM 87117
Branch Office6440 Gibson Blvd SEAlbuquerque, NM 87108
Branch Office10200 Corrales Rd NWAlbuquerque, NM 87114