KIRTLAND
Charter #12199 · ALBUQUERQUE, NM · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.64% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.09% sits at the 77th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 7th percentile but its structural peers at the 46th — a 39-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | KIRTLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.11B | 7th pct | 46th pct |
| Members | 50,782 | 5th pct | 33th pct |
| Net worth ratio | 12.18% | 73th pct | 67th pct |
| Return on average assets | 0.53% | 32th pct | 39th pct |
| Net interest margin | 3.38% | 51th pct | 36th pct |
| Cost of funds | 1.64% | 43th pct | 75th pct |
| Loan-to-share | 72.53% | 18th pct | 41th pct |
| Delinquency 60+ days | 0.79% | 65th pct | 69th pct |
| Net charge-off ratio | 1.09% | 87th pct | 77th pct |
| Loan growth YoY | -0.92% | 15th pct | 23th pct |
| Share growth YoY | 2.85% | 27th pct | 38th pct |
| Efficiency ratio | 74.79% | 57th pct | 34th pct |
structural peer set hash: fa3bea236dafec4dae7099df54f8a44d… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.