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
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White Sands vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); White Sands sits in 80-84 with 767 others.
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: 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).
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.
- One place up in New Mexico, Financial Security (#20) scores 87/100, 3 points higher; one place down, Northern New Mexico School Employee (#22) ties at 84/100.
White Sands: 2025Q4 → 2026Q1
White Sands: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.6% from $404.0M (2025Q4) to $414.6M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.97% → 12.89%).
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
White Sands gives up 16 points in total. Member Growth costs the most, 13.6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is White Sands financially healthy?
On its 2025Q4 NCUA 5300 filing, White Sands scores 84/100 (Excellent), with a 12.89% net worth ratio and 0.05% of loans delinquent. It ranks #2,101 of 4,374 nationally on health and #21 of 37 in New Mexico.
How does White Sands compare to other credit unions?
White Sands scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.05% vs 0.89%). Its widest shortfall is loan-to-share ratio (59.92% vs 72.20%).
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?
White Sands is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.