Side-by-side · Q2 2026 data
Southwest Heritage 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 | Southwest Heritage Bank | White Sands Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 86 (stronger) |
| Capital cushion | 84 (stronger) | 82 |
| Loan quality | 78 | 96 (stronger) |
| Earnings | 56 | 60 (stronger) |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 53rd | 89th |
| Total assets | $892.8M | $413.8M |
| Deposits / shares | $753.6M | $357.1M |
| Capital ratio | 13.36% (stronger) | 13.17% |
| Problem loans | 0.67% | 0.11% (stronger) |
| Net charge-offs | 0.29% | 0.26% (stronger) |
| Return on assets | 0.90% | 1.00% (stronger) |
| Loans ÷ deposits | 92.7% | 58.2% (stronger) |
| Uninsured deposits | 30.8% | 4.0% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
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), Southwest Heritage Bank leads on 1 and White Sands Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.