Side-by-side · Q2 2026 data
White Sands Federal Credit Union vs Artesia Credit Union
Credit union
White Sands Federal Credit Union
Las Cruces, New Mexico · $100 million – $1 billion
Metric by metric
| Measure | White Sands Federal Credit Union | Artesia Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 81 |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 96 (stronger) | 64 |
| Earnings | 60 | 73 (stronger) |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 89th | 80th |
| Total assets | $413.8M | $172.7M |
| Deposits / shares | $357.1M | $144.0M |
| Capital ratio | 13.17% | 16.12% (stronger) |
| Problem loans | 0.11% (stronger) | 1.08% |
| Net charge-offs | 0.26% (stronger) | 0.36% |
| Return on assets | 1.00% | 1.33% (stronger) |
| Loans ÷ deposits | 58.2% (stronger) | 79.9% |
| Uninsured deposits | 4.0% (stronger) | 16.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
White Sands Federal Credit Union has the higher TellerScore (86 vs 81). On the 7 directional measures above (where higher or lower is clearly better), White Sands Federal Credit Union leads on 5 and Artesia Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.