Las Cruces, New Mexico · Peer group 5
White Sands Credit Union
White Sands Credit Union holds $414.6M in assets across 21,840 members as of Q1 2026 — about $19K of assets per member, on a charter dating to 1952. Charter number 7960, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $414.6M |
|---|---|
| Total loans | $209.2M |
| Total shares (deposits) | $359.1M |
| Net worth | $53.4M |
| Members | 21,840 |
| Assets per member | $19K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.9% | |
|---|---|---|
| Loans | 0.3% | around the 36th percentile of its peer group |
| Deposits | 2.1% | around the 40th percentile of its peer group |
| Members | -10.2% | lower than 97% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 58.3% | around the 24th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.9% | around the 68th percentile of its peer group |
| Return on assets | 0.97% | around the 68th percentile of its peer group |
| Delinquency ratio | 0.09% | lower than 95% of its peer group |
| Cash / assets | 8.3% | around the 34th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is White Sands Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Mexico — the comparison set a peer ratio is measured against.
- Guadalupe Credit Union
Santa Fe, NM
$348.6M · 31,561 members
- Otero Credit Union
Alamogordo, NM
$532.5M · 33,841 members
- Zia Credit Union
Los Alamos, NM
$273.6M · 14,198 members
- Artesia Credit Union
Artesia, NM
$168.4M · 9,844 members
- Rio Grande Credit Union
Albuquerque, NM
$665.9M · 50,834 members
- Estacado Credit Union
HOBBS, NM
$119.3M · 8,844 members
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