Side-by-side · Q2 2026 data
White Sands Federal Credit Union vs Guadalupe 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 | Guadalupe Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 68 |
| Capital cushion | 82 (stronger) | 75 |
| Loan quality | 96 (stronger) | 48 |
| Earnings | 60 | 60 |
| Funding & liquidity | 100 (stronger) | 89 |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 89th | 45th |
| Total assets | $413.8M | $348.2M |
| Deposits / shares | $357.1M | $299.9M |
| Capital ratio | 13.17% (stronger) | 12.51% |
| Problem loans | 0.11% (stronger) | 1.57% |
| Net charge-offs | 0.26% (stronger) | 0.67% |
| Return on assets | 1.00% | 1.01% (stronger) |
| Loans ÷ deposits | 58.2% (stronger) | 71.0% |
| Uninsured deposits | 4.0% (stronger) | 10.7% |
| Offices | 2 | 5 |
| 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), White Sands Federal Credit Union leads on 6 and Guadalupe Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.