Side-by-side · Q2 2026 data
Pioneer Bank 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 | Pioneer Bank | White Sands Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 73 | 82 (stronger) |
| Loan quality | 43 | 96 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 80 | 99 (stronger) |
| Peer percentile | 70th | 89th |
| Total assets | $1.1B | $413.8M |
| Deposits / shares | $850.8M | $357.1M |
| Capital ratio | 12.32% | 13.17% (stronger) |
| Problem loans | 1.71% | 0.11% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.26% |
| Return on assets | 2.58% (stronger) | 1.00% |
| Loans ÷ deposits | 72.3% | 58.2% (stronger) |
| Uninsured deposits | 18.7% | 4.0% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 28.8% | — |
White Sands Federal Credit Union has the higher TellerScore (86 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Pioneer Bank 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.