Kirtland Credit Union is headquartered in Albuquerque and is the 7th largest credit union in the state of New Mexico. It is also the 434th largest credit union in the nation. It was established in 1958 and as of June of 2024, it had grown to 164 employees and 53,054 members at 10 locations. Kirtland Credit Union has a B+ health rating.
Membership in Kirtland Federal Credit Union is open to veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members.
See current membership details
I am a past member of KFCU who left KFCU because I was not satisfied with their services as well as their changing attitude toward members. This was back in the 1990s. Current day I am dealing with my parent’s estate of which the bank accounts are at KFCU. KFCU placed a freeze on their accounts after my mother died, both my mother and father were gone at this point, which is normal procedure and I have no problem with. The problems began after my sister, and I were made co-representatives of the estate by the court. First, they will not accept or recognize a court order. KFCU has their own law (Be Aware!) and their own way of doing things irrespective of the law. We had to go through a long process to get the accounts open as estate accounts. They required us to open an estate account for each parent. I had to sign a signature card to allow this to happen. I have never had access in anyway to the two estate accounts since the day all of my parent’s assets were divided up into estate accounts. Only my sister has access which is troubling because we have never been close. Since March my sister has had total access to my parent’s accounts, I have been left in the dark. I have talked to at least eight people who work for KFCU who have stone cold refused to grant me access to the accounts even though in the eyes of the court I am equal to my sister. I was told to my face in person that only one person can have access the accounts. That there was nothing KFCU could do. I have a bank account with my wife, and we have separate logins for our joint account so what KFCU says is an outright discriminatory and unfair. Those sitting in the boardroom of KFCU making all rules obviously have no regard for members, least of all non-members whatsoever as they constantly undermine customer service with protocols and discriminatory practices that supersede customer service, basically destroying customer service in lieu of paranoia. They have taken paranoia to stratospheric levels making it extraordinarily difficult to deal with KFCU or work with them at all. I am now in a position where I am in the dark in terms of my parent’s accounts until the estate closes, I have no recourse. I have no idea what has happened to KFCU as at one time they were a decent credit union. KFCU has changed for worst, and I would never recommend KFCU to anyone. They have been cold and unresponsive, unwilling to help me at all. The few times I have visited a branch I felt uncomfortable, most recently never able to complete a transaction due to unfair and discriminatory practices due managerial paranoia. I realize there are bad people out there doing bad things but to punish everyone for the nefarious deeds of these people is unfair in the least nor is this good business. Business used to be done with a handshake but not any longer those days are over trust no longer exists. Being in business is a risky proposition for which there are no cures, but to hide behind paranoia and discriminatory protocols is not the answer. Business about service not finding way to avoid service. Be wary of dealing with KFCU, if you can avoid dealing with KFCU the better. It is scary what KFCU has become.
Overall | |
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NCUA # | 12199 |
Year Chartered | 1958 |
Employees | 164 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | -0.12% |
Return on Equity - YTD | -1.09% |
Annual Interest Income | $30.4MM |
Assets and Liabilities | ||
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Assets | Q2 2024vs Q2 2023 | $1.03B$1.09B |
Loans | Q2 2024vs Q2 2023 | $781.6MM$817.9MM |
Deposits | Q2 2024vs Q2 2023 | $895.6MM$875.2MM |
Equity Capital | Q2 2024vs Q2 2023 | $119.1MM$107.6MM |
Loan Loss Allowance | Q2 2024vs Q2 2023 | $9.3MM$7.1MM |
Unbacked Noncurrent Loans | Q2 2024vs Q2 2023 | $12.3MM$2.9MM |
Real Estate Owned | Q2 2024vs Q2 2023 | $0$0 |
Rates for Kirtland Credit Union are currently being reviewed.
Albuquerque Branches | ||
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Branch Office | 8900 Montgomery Blvd NE | Albuquerque, NM 87111 |
Branch Office | 6440 Gibson Blvd SE | Albuquerque, NM 87108 |
Branch Office | 10200 Corrales Rd NW | Albuquerque, NM 87114 |
Corporate Office | 1700 Louisiana Blvd NE Ste 230 | Albuquerque, NM 87110-7015 |
Branch Office | 6550 Paseo Del Norte NE Suite D6 | Albuquerque, NM 87113 |
Branch Office | 7901 Gibson Blvd SE | Albuquerque, NM 87117 |
Branch Office | 6700 Jefferson St NE | Albuquerque, NM 87109 |
Branch Office | 4101 Coors Blvd NW Ste 102 | Albuquerque, NM 87120-3682 |
Los Lunas Branches | ||
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Branch Office | 2270 Main St NW | Los Lunas, NM 87031 |
Rio Rancho Branches | ||
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Branch Office | 111 NM Highway 528 NE Ste 122 | Rio Rancho, NM 87124-7020 |