Side-by-side · Q2 2026 data
Citizens Bank of Las Cruces vs White Sands Federal Credit Union
Credit union
White Sands Federal Credit Union
Las Cruces, New Mexico · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank of Las Cruces | White Sands Federal Credit Union |
|---|---|---|
| TellerScore | 76 | 86 (stronger) |
| Capital cushion | 54 | 82 (stronger) |
| Loan quality | 86 | 96 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 56 | 100 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 80th | 89th |
| Total assets | $1.2B | $413.8M |
| Deposits / shares | $1.0B | $357.1M |
| Capital ratio | 10.42% | 13.17% (stronger) |
| Problem loans | 0.43% | 0.11% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.26% |
| Return on assets | 2.25% (stronger) | 1.00% |
| Loans ÷ deposits | 81.5% | 58.2% (stronger) |
| Uninsured deposits | 35.5% | 4.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
White Sands Federal Credit Union has the higher TellerScore (86 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Las Cruces leads on 2 and White Sands Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.