White Sands
Las Cruces, NM · Charter 7960 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$413.8MAssets
$207.8MLoans
$357.1MShares
$54.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets (rank 248 of 1682).
- Widest gap: net interest margin trails 52% of credit unions under $1B in assets (rank 882 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.00%
Rank 593 of 1,683
Net Interest Margin
3.78%
Rank 882 of 1,683
Efficiency Ratio
73.69%
Rank 626 of 1,682
Equity / Assets
13.17%
Rank 792 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.00% | 0.35% | 0.74% | 1.18% | Beats 65% | 593 / 1,683 | | |
| Return on Equity | 7.59% | 2.67% | 5.89% | 8.74% | Beats 66% | 572 / 1,681 | | |
| Net Interest Margin | 3.78% | 3.31% | 3.82% | 4.32% | Beats 48% | 882 / 1,683 | | |
| Efficiency Ratio | 73.69% | 68.91% | 78.20% | 86.93% | Beats 63% | 626 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 85% | 248 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.17% | 10.44% | 12.89% | 16.53% | Beats 53% | 792 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.17% | 10.44% | 12.89% | 16.53% | Beats 53% | 792 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.19% | 52.61% | 69.38% | 83.50% | 33rd pctl | 1,136 / 1,683 | | |
| Loans / Assets | 50.22% | 44.71% | 59.18% | 70.72% | 34th pctl | 1,114 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |