Federal credit union · LAS CRUCES, New Mexico · NCUA charter #7960
White Sands
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $404.0M
- Total assets
- 23,407
- Members
- 12.9%
- Net-worth ratio
White Sands scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $404.0M; members 23,407; net-worth ratio 12.89%; health rank #2,101 of 4,374; healthier than 50th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,101 of 4,374 health · 2025Q4White Sands · health 84/100 · $404.0M · 2025Q4
- RANK 84/100
- PHOTO 12.9%
- BOOK 0.05%
- CHARTER 1.18%
- NCUSIF $404.0M
- CAMELS 23,407
- HEALTH #2,101/4,374
- NW Park View
- DELQ 7960
White Sands in the assets neighbourhood
White Sands's $404.0M assets sit next to Park View ($404.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
White Sands vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
White Sands - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #7960. See our deposit-insurance coverage note.
White Sands: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.84 pp (0.05% vs 0.89%).
- Largest lag: Loan-to-Share Ratio at 59.92% vs peer 72.20% (-12.28 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where White Sands sits in New Mexico
- In New Mexico, health place is #21 of 37 on the same NCUA-ratio sort used nationally.
- New Mexico assets place: #11 of 37.
- Member book place in New Mexico: #12 of 37.
In-state ordinals use the live credit_unions table for NM only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
White Sands: 2025Q4 → 2026Q1
White Sands: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $404.0M (2025Q4) to $414.6M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.97% → 12.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.89% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 1.4 pts
- Loan-to-Share Ratio 12.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.89% | +0.78 pp |
| Delinquency Rate | 0.05% | -0.84 pp |
| Return on Assets | 1.18% | +0.56 pp |
| Member Growth | -4.23% | - |
| Loan-to-Share Ratio | 59.92% | -12.28 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - White Sands
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $414.6M | - |
| 2025Q4 | $404.0M | 23,407 |
| 2024Q4 | $392.4M | 24,442 |
| 2023Q4 | $396.6M | 30,948 |
Credit Union Details
- Charter Number
- 7960
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Mexico
- City
- LAS CRUCES
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, White Sands runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| North Main Branch (Main Office) | Las Cruces, NM |
| El Paso | El Paso, TX |
| Lohman | Las Cruces, NM |
| T or C | Truth or Consequences, NM |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Mexico
A look at other New Mexico credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for White Sands - kept outside New Mexico; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($404.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- White Sands ranks #2,101 of 4,374 nationally on financial health and #21 of 37 in NM -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GUADALUPE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GUADALUPE
- Rates and health both vary by institution, not just by state -- see how New Mexico credit unions compare overall before assuming this one is typical. New Mexico state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is White Sands financially healthy?
Yes/no aside, the number is 84/100 (Excellent) - White Sands's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,101 of 4,374; by total assets it ranks #863 of 4,374 nationally (same basis as /rankings/largest); and #11 of 37 within New Mexico. Above 80 reads excellent, below 50 warrants closer monitoring; a 12.89% net worth ratio and 0.05% delinquency rate are the key drivers.
How does White Sands compare to other credit unions?
White Sands scores 84/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join White Sands?
White Sands operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact White Sands directly for the exact boundaries and application steps.
Is my money safe at White Sands?
Federal credit unions like White Sands are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. White Sands's net worth ratio of 12.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does White Sands offer compared to banks?
Credit unions like White Sands are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact White Sands directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.