FOUR CORNERS
Charter #16754 · Kirtland, NM · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,634 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.49% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 5.04% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.96% sits at the 89th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 59th — a 38-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 | FOUR CORNERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $15.08M | 21th pct | 59th pct |
| Members | 4,634 | 95th pct | 95th pct |
| Net worth ratio | 20.56% | 87th pct | 72th pct |
| Return on average assets | -0.49% | 11th pct | 13th pct |
| Net interest margin | 5.04% | 92th pct | 90th pct |
| Cost of funds | 0.80% | 48th pct | 38th pct |
| Loan-to-share | 80.39% | 85th pct | 67th pct |
| Delinquency 60+ days | 0.48% | 45th pct | 54th pct |
| Net charge-off ratio | 0.07% | 45th pct | 61th pct |
| Loan growth YoY | -6.24% | 22th pct | 15th pct |
| Share growth YoY | 5.31% | 77th pct | 67th pct |
| Efficiency ratio | 104.96% | 91th pct | 89th pct |
structural peer set hash: ad5ec74c542b8cebddcaf1de60f26d57… (reproducible)
Closest structural peers
This is the free public view
Claim FOUR CORNERS
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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.