Side-by-side · Q2 2026 data
White Sands Federal Credit Union vs Zia 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 | Zia Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 64 |
| Capital cushion | 82 (stronger) | 53 |
| Loan quality | 96 (stronger) | 84 |
| Earnings | 60 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 89th | 31st |
| Total assets | $413.8M | $308.1M |
| Deposits / shares | $357.1M | $246.7M |
| Capital ratio | 13.17% (stronger) | 10.35% |
| Problem loans | 0.11% (stronger) | 0.48% |
| Net charge-offs | 0.26% (stronger) | 0.35% |
| Return on assets | 1.00% (stronger) | 0.45% |
| Loans ÷ deposits | 58.2% (stronger) | 89.1% |
| Uninsured deposits | 4.0% (stronger) | 5.1% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
White Sands Federal Credit Union has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), White Sands Federal Credit Union leads on 7 and Zia Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.