Side-by-side · Q2 2026 data
White Sands Federal Credit Union vs Otero 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 | Otero Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 95 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 60 | 89 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 89th | 98th |
| Total assets | $413.8M | $535.3M |
| Deposits / shares | $357.1M | $450.7M |
| Capital ratio | 13.17% | 15.54% (stronger) |
| Problem loans | 0.11% (stronger) | 0.26% |
| Net charge-offs | 0.26% (stronger) | 0.58% |
| Return on assets | 1.00% | 1.72% (stronger) |
| Loans ÷ deposits | 58.2% | 55.5% (stronger) |
| Uninsured deposits | 4.0% | 2.9% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Otero Federal Credit Union has the higher TellerScore (95 vs 86). On the 7 directional measures above (where higher or lower is clearly better), White Sands Federal Credit Union leads on 2 and Otero Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.