Four Corners

Kirtland, NM · 1 · Charter #16754 · www.fourcornersfcu.org/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$15.3M
53th percentile
Members
4,925
97th percentile
Total loans
$9.9M
66th percentile
Total shares
$12.1M
52th percentile

Profitability

Return on assets
1.02%
60th percentile
Net interest margin
5.10%
85th percentile
Efficiency ratio
82.06%
21th percentile
Non-interest income ratio
38.65%
96th percentile

Capital & Risk

Net worth ratio
20.43%
75th percentile
Delinquency rate
0.26%
67th percentile
Net charge-off rate
0.15%
55th percentile
Loan-to-share
81.76%
78th percentile

Growth

Member growth YoY
-15.00%
2th percentile
Asset growth YoY
11.51%
94th percentile
Loan growth YoY
1.62%
69th percentile
Share growth YoY
13.08%
94th percentile

Operations

Members / branch
4,925
99th percentile
Assets / member
$3,099
7th percentile
Field of membership penetration
3.94%
15th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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