Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs Sandia Area Federal Credit Union
Credit union
Sandia Area Federal Credit Union
Albuquerque, New Mexico · $1 billion – $10 billion
Metric by metric
| Measure | Citizens Bank of Las Cruces | Sandia Area Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 54 | 64 (stronger) |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 56 | 60 (stronger) |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 80th | 75th |
| Total assets | $1.2B | $1.4B |
| Deposits / shares | $1.0B | $1.3B |
| Capital ratio | 10.42% | 11.44% (stronger) |
| Problem loans | 0.43% | 0.15% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.25% |
| Return on assets | 2.25% (stronger) | 1.21% |
| Loans ÷ deposits | 81.5% (stronger) | 99.8% |
| Uninsured deposits | 35.5% | 13.6% (stronger) |
| Offices | 9 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Citizens Bank of Las Cruces has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 4 and Sandia Area Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.