Credit Union Safety Analysis
Is White Sands Federal Credit Union Safe? Las Cruces, New Mexico
Based on its Q2 2026 NCUA 5300 call report, White Sands Federal Credit Union has a net worth ratio of 13.17%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.11%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, White Sands Federal Credit Union's net worth ratio is 13.17%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.17%
- Delinquency ratio (60+ days) (Q2 2026): 0.11%
- Return on assets (Q2 2026): 1.03%
- Loan-to-share ratio (Q2 2026): 58.19%
White Sands Federal Credit Union (NCUA charter 7960, established 1952) reported $413.8M in assets and 27,299 members for Q2 2026 from Las Cruces, New Mexico. It ranks 11 of 37 credit unions in New Mexico by total assets. Total assets grew 3.4% from $400.1M on June 30, 2025. It has 3,022 more members than on June 30, 2025 (+12.4%). Its net worth ratio was up 0.57 percentage points from 12.60% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $67.6M of $207.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.11% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.89% for Q1 2026; 12.60% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.09% for Q1 2026; 0.08% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.97% for Q1 2026; 1.12% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 58.26% for Q1 2026; 59.54% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $67.6M
- New vehicle loans: $66.4M
- Used vehicle loans: $59.6M
- Other unsecured loans and lines of credit: $10.1M
- Other secured non-real estate loans and lines of credit: $4.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $413.8M | 13.17% | 0.11% | 1.03% | 58.19% |
| March 31, 2026 | $414.6M | 12.89% | 0.09% | 0.97% | 58.26% |
| December 31, 2025 | $404.0M | 12.97% | 0.05% | 0.84% | 59.92% |
| September 30, 2025 | $402.7M | 12.80% | 0.05% | 1.13% | 60.03% |
| June 30, 2025 | $400.1M | 12.60% | 0.08% | 1.12% | 59.54% |
| March 31, 2025 | $402.9M | 12.24% | 0.04% | 1.34% | 59.31% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
White Sands Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 7960) · FFIEC NIC profile (RSSD 453781)
Frequently asked questions
Is White Sands Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, White Sands Federal Credit Union's net worth ratio is 13.17%, above the 7% NCUA threshold for well capitalized.
Is White Sands Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. White Sands Federal Credit Union is a federally insured credit union (NCUA charter 7960): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are White Sands Federal Credit Union's key safety ratios?
For Q2 2026, White Sands Federal Credit Union reports net worth 13.17%, delinquency 0.11%, ROA 1.03%, loan-to-share 58.19%.
What happens to my money if White Sands Federal Credit Union fails?
For Q2 2026, White Sands Federal Credit Union held $357.1M in shares and deposits for 27,299 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.