Side-by-side · Q2 2026 data
First New Mexico Bank, 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 | First New Mexico Bank, Las Cruces | White Sands Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 81 | 82 (stronger) |
| Loan quality | 23 | 96 (stronger) |
| Earnings | 93 (stronger) | 60 |
| Funding & liquidity | 78 | 100 (stronger) |
| Problem-loan coverage | 81 | 99 (stronger) |
| Peer percentile | 37th | 89th |
| Total assets | $171.9M | $413.8M |
| Deposits / shares | $146.1M | $357.1M |
| Capital ratio | 13.05% | 13.17% (stronger) |
| Problem loans | 2.31% | 0.11% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.26% |
| Return on assets | 1.83% (stronger) | 1.00% |
| Loans ÷ deposits | 66.9% | 58.2% (stronger) |
| Uninsured deposits | 28.7% | 4.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
White Sands Federal Credit Union has the higher TellerScore (86 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First New Mexico Bank, 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.