PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

White Sands

Las Cruces, NM · Charter 7960

NCUA · 4 branches

Q2 2026

$413.8MAssets
$207.8MLoans
$357.1MShares
$54.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.00%, down 23 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.11% of loans (+3 bps YoY).
  • Capital: net worth / assets of 13.17%, up 56 bps from a year ago.
  • Funding: loans stand at 58.19% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.00%-23 bps YoY

Net Interest Margin (quarter, annualized)

3.78%-19 bps YoY

Efficiency Ratio (quarter, annualized)

73.70%+337 bps YoY

Net Worth / Assets

13.17%+56 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.22%1.34%1.23%1.19%1.10%0.97%1.00%-23 bps
Return on Equity10.17%9.96%10.94%9.78%9.31%8.48%7.52%7.59%-219 bps
Net Interest Margin3.57%3.65%3.91%3.97%3.96%3.95%3.73%3.78%-19 bps
Efficiency Ratio68.64%68.74%66.30%70.32%70.94%72.76%74.08%73.70%+337 bps
Growth
Asset Growth (YoY)-2.99%-1.06%1.05%0.39%1.94%2.97%2.91%3.42%+303 bps
Loan Growth (YoY)-1.59%0.21%2.73%4.12%1.49%0.63%0.31%0.43%-369 bps
Share Growth (YoY)-4.97%-2.95%-0.55%-1.20%0.80%2.17%2.13%2.75%+395 bps
Asset Quality
Delinquent Loans / Loans0.02%0.01%0.04%0.08%0.05%0.05%0.09%0.11%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.83%12.23%12.24%12.60%12.80%12.97%12.89%13.17%+56 bps
Net Worth / Assets11.83%12.23%12.24%12.60%12.80%12.97%12.89%13.17%+56 bps
Liquidity & Funding
Loans / Shares59.61%60.83%59.31%59.54%60.03%59.92%58.26%58.19%-135 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps