KIRTLAND

Charter #12199 | NM

1B-3B (304 CUs) Mid-Market (380 CUs)
6 1B-3B in NM

KIRTLAND has 3 strengths but faces 14 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 26.7% in tier
  • + Emerging Performer: Top 31.6% in tier
  • + Wallet Share Momentum: Top 31.9% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 12.3% in tier
  • - Membership Headwinds: Bottom 20.1% in tier
  • - Stagnation Risk: Bottom 20.5% in tier
  • - Liquidity Overhang: Bottom 24.0% in tier
  • - Institutional Decline: Bottom 25.5% in tier
  • - ROA 0.33% below tier average
  • - Efficiency ratio 3.12% above tier (higher cost structure)
  • - Delinquency rate 0.36% above tier average
  • - Member decline: -2.2% YoY
  • - Members Per Employee (MPE): Bottom 5.3% in tier
  • - Loan Growth Rate: Bottom 5.9% in tier
  • - Total Members: Bottom 7.2% in tier
  • - Total Loans: Bottom 8.2% in tier
  • - Total Assets: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 50,839
-2.2% YoY-2.3% QoQ
 -47.8K 98,678
-1.9% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Bottom 6.9% in tier
Assets $1.1B
+3.8% YoY-0.4% QoQ
 $-639.4M $1.7B
+0.5% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 Bottom 8.6% in tier
Loans $708.0M
-6.3% YoY+0.3% QoQ
 $-525.0M $1.2B
+0.5% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 Bottom 7.9% in tier
Deposits $940.4M
+3.9% YoY-1.0% QoQ
 $-513.9M $1.5B
+1.3% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 Bottom 12.5% in tier
ROA 0.4%
-436.3% YoY+16.8% QoQ
 -0.3% 0.7%
+13.4% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Bottom 21.1% in tier
NIM 3.1%
+5.0% YoY+3.4% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 77.1%
-5.5% YoY+1.0% QoQ
 +3.1% 74.0%
-10.9% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 61st in tier
Delinquency Rate 1.2%
-39.8% YoY+15.9% QoQ
 +0.4 0.8%
+6.1% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 Top 17.8% in tier
Loan To Share 75.3%
-9.8% YoY+1.4% QoQ
 -9.9% 85.2%
-0.8% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Bottom 22.0% in tier
AMR $32,426
+1.6% YoY+1.9% QoQ
 +$3K $29,172
+2.8% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 Top 24.7% in tier
CD Concentration 29.5%
-2.0% YoY-3.0% QoQ
 +0.5% 29.0%
+0.8% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 55th in tier
Indirect Auto % 28.1%
-25.3% YoY-7.0% QoQ
 +9.3% 18.8%
-2.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#194 of 264 • Top 26.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.56%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.2K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Emerging Performer

growth
#168 of 184 • Top 31.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.24%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | New qualifier

Wallet Share Momentum

growth
#231 of 264 • Top 31.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.56%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Concerns (5)

Indirect Auto Dependency

risk
#77 of 202 • Bottom 12.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.85%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 28.06%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -2.24%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Membership Headwinds

decline
#49 of 85 • Bottom 20.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.24%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Stagnation Risk

risk
#50 of 85 • Bottom 20.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.71%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.24%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $32.4K
(Tier: $29.2K, National: $19.4K)
but better than tier avg
CD Concentration: 29.49%
(Tier: 28.98%, National: 19.60%)
worse than tier avg
85 of 380 Mid-Market CUs have this signature | 648 nationally
↑ Growing +6 CUs YoY | New qualifier

Liquidity Overhang

risk
#78 of 113 • Bottom 24.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.06%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.29%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

Institutional Decline

decline
#27 of 31 • Bottom 25.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $1.08B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
Member Growth (YoY): -2.24%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.27%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
31 of 380 Mid-Market CUs have this signature | 293 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (1 metrics)

75
Average Member Relationship (AMR)
engagement
Value: $32,426
Peer Avg: $29,172
#75 of 304 Top 24.3% in 1B-3B tier

Top Weaknesses (12 metrics)

289
Members Per Employee (MPE)
engagement
Value: 249.211
Peer Avg: 364.953
#289 of 304 Bottom 5.3% in 1B-3B tier
287
Loan Growth Rate
growth
Value: -6.27%
Peer Avg: 5.27%
#287 of 304 Bottom 5.9% in 1B-3B tier
283
Total Members
engagement
Value: 50,839
Peer Avg: 98,678
#283 of 304 Bottom 7.2% in 1B-3B tier
280
Total Loans
balance_sheet
Value: $708.04M
Peer Avg: $1.23B
#280 of 304 Bottom 8.2% in 1B-3B tier
278
Total Assets
balance_sheet
Value: $1.08B
Peer Avg: $1.72B
#278 of 304 Bottom 8.9% in 1B-3B tier
266
Total Deposits
balance_sheet
Value: $940.44M
Peer Avg: $1.45B
#266 of 304 Bottom 12.8% in 1B-3B tier
262
Net Charge-Off Rate
risk
Value: 1.02%
Peer Avg: 0.60%
#262 of 304 Bottom 14.1% in 1B-3B tier
257
Member Growth Rate
growth
Value: -2.24%
Peer Avg: 2.20%
#257 of 304 Bottom 15.8% in 1B-3B tier
251
Total Delinquency Rate (60+ days)
risk
Value: 1.18%
Peer Avg: 0.83%
#251 of 304 Bottom 17.8% in 1B-3B tier
240
Return on Assets (ROA)
profitability
Value: 0.38%
Peer Avg: 0.70%
#240 of 304 Bottom 21.4% in 1B-3B tier