Charter 7960 · Las Cruces, NM
White Sands Federal Credit Union
White Sands Federal Credit Union is a federally chartered credit union in Las Cruces, New Mexico, with $414 million in assets and 27,299 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.17%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $414 million
- +3.4% in a year
- Members
- 27,299
- +12.4% in a year
- Net worth ratio
- 13.17%
- Peer median 11.65%
- Loans 60+ days late
- 0.11%
- Peer median 0.70%
- Loans outstanding
- $208 million
- +0.4% in a year
- Shares and deposits
- $357 million
- +2.8% in a year
- Branches
- 5
- 91 employees
- Opened
- 1952
- Federal charter
How White Sands Federal Credit Union compares
NCUA groups credit unions by size; White Sands Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.17% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.11%, is lower than the group median of 0.70%. Loans grew 0.4% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 11 of 37 credit unions headquartered in New Mexico. See all New Mexico credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $414 million | 27,299 | $208 million | 13.17% | 0.11% |
| Q1 2026 | $415 million | 21,840 | $209 million | 12.89% | 0.09% |
| Q4 2025 | $404 million | 23,407 | $210 million | 12.97% | 0.05% |
| Q3 2025 | $403 million | 24,415 | $209 million | 12.80% | 0.05% |
| Q2 2025 | $400 million | 24,277 | $207 million | 12.60% | 0.08% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 54,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for White Sands Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- North Main Branch (main office)
2755 N Main St, Las Cruces, NM 88001 - Lohman
2190 E Lohman Ave, Las Cruces, NM 88001 - El Paso
4545 Hondo Pass Dr, El Paso, TX 79904 - T or C
115 Buck Greer Street, Truth Or Consequences, NM 87901
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology