Side-by-side · Q2 2026 data
White Sands Federal Credit Union vs Estacado Federal 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 | Estacado Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 82 | 91 (stronger) |
| Loan quality | 96 (stronger) | 76 |
| Earnings | 60 | 92 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 89th | 91st |
| Total assets | $413.8M | $120.0M |
| Deposits / shares | $357.1M | $102.4M |
| Capital ratio | 13.17% | 14.05% (stronger) |
| Problem loans | 0.11% (stronger) | 0.73% |
| Net charge-offs | 0.26% (stronger) | 0.66% |
| Return on assets | 1.00% | 1.79% (stronger) |
| Loans ÷ deposits | 58.2% (stronger) | 75.0% |
| Uninsured deposits | 4.0% (stronger) | 5.2% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Estacado Federal Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), White Sands Federal Credit Union leads on 4 and Estacado Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.