TellerScore

White Sands Federal Credit Union (NCUA charter #7960) is based in Las Cruces, New Mexico. Its Q2 2026 call report shows $413.8M in total assets and $357.1M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, White Sands Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 89% of 1,341 credit unions with $100 million – $1 billion. Among 37 credit unions headquartered in New Mexico, it ranks 8th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 4% uninsured), and its lowest is earnings (60/100; 1.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion82/100
Net worth ratio: 13.17%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings60/100
Return on assets (annualized): 1.00%
Funding & liquidity100/100
Loans ÷ shares: 58.2% · 4.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.52%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (86 → 86).

TellerScore
838586Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202485
Q1 202586
Q2 202586
Q3 202586
Q4 202586
Q1 202685
Q2 202686
Net worth ratio
7.00%10.09%13.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.43%
Q3 202411.83%
Q4 202412.23%
Q1 202512.24%
Q2 202512.60%
Q3 202512.80%
Q4 202512.97%
Q1 202612.89%
Q2 202613.17%
Delinquent loans (60+ days)
0.01%0.06%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.02%
Q4 20240.01%
Q1 20250.04%
Q2 20250.08%
Q3 20250.05%
Q4 20250.05%
Q1 20260.09%
Q2 20260.11%
Return on assets
0.97%1.15%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.19%
Q3 20241.20%
Q4 20241.22%
Q1 20251.34%
Q2 20251.23%
Q3 20251.19%
Q4 20251.10%
Q1 20260.97%
Q2 20261.00%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$413.8M13.17%0.11%1.00%58.2%
Q1 202685$414.6M12.89%0.09%0.97%58.3%
Q4 202586$404.0M12.97%0.05%1.10%59.9%
Q3 202586$402.7M12.80%0.05%1.19%60.0%
Q2 202586$400.1M12.60%0.08%1.23%59.5%
Q1 202586$402.9M12.24%0.04%1.34%59.3%
Q4 202485$392.4M12.23%0.01%1.22%60.8%
Q3 202484$395.1M11.83%0.02%1.20%59.6%
Q2 202483$398.6M11.43%0.02%1.19%56.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.17%
71st
Problem loans0.11%
95th
Net charge-offs0.26%
62nd
Return on assets1.00%
66th
Loans to deposits58.2%
80th
Uninsured deposits4.0%
72nd
Loan-loss reserves0.00%
50th
Texas ratio0.5%
94th

Similar-size credit unions in New Mexico

InstitutionScoreAssetsCapitalProblem loansCompare
Guadalupe Credit UnionCredit union Santa Fe, NM68 out of 100, Moderate$348.2M12.5%1.57%vs
Zia Credit UnionCredit union Los Alamos, NM64 out of 100, Moderate$308.1M10.3%0.48%vs
Otero Federal Credit UnionCredit union Alamogordo, NM95 out of 100, Very strong$535.3M15.5%0.26%vs
Artesia Credit UnionCredit union Artesia, NM81 out of 100, Strong$172.7M16.1%1.08%vs
Rio Grande Credit UnionCredit union Albuquerque, NM60 out of 100, Moderate$666.0M9.1%0.86%vs
Estacado Federal Credit UnionCredit union Hobbs, NM87 out of 100, Very strong$120.0M14.1%0.73%vs

Deposit insurance

Is my money safe at White Sands Federal Credit Union?

Yes. White Sands Federal Credit Union is a federally insured credit union (NCUA charter #7960). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.0% of shares and deposits ($14.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

White Sands Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
White Sands Federal Credit Union
Type
Federal credit union
NCUA charter #
7960
RSSD ID
453781
Primary regulator
NCUA
Established
1952
Headquarters
Po Box 99, Las Cruces, NM 88004
Employees
91

Quick answers

White Sands Federal Credit Union: common questions

Is White Sands Federal Credit Union NCUA insured?

Yes. White Sands Federal Credit Union is a federally insured credit union (NCUA charter #7960). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is White Sands Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does White Sands Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Las Cruces

InstitutionScoreAssetsCapitalProblem loansCompare
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First American BankBank Artesia, NM80 out of 100, Strong$1.9B11.8%0.53%vs
WestStar BankBank El Paso, TX80 out of 100, Strong$3.3B12.3%0.00%vs
Citizens Bank of Las CrucesBank Las Cruces, NM76 out of 100, Strong$1.2B10.4%0.43%vs
Pioneer BankBank Roswell, NM73 out of 100, Strong$1.1B12.3%1.71%vs
Southwest Heritage BankBank Scottsdale, AZ73 out of 100, Strong$892.8M13.4%0.67%vs