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Overview / Commentary
2755 N Main St
Las Cruces, NM 88001-1149

White Sands Credit Union is headquartered in Las Cruces and is the 10st largest credit union in the state of New Mexico. It is also the 758th largest credit union in the nation. It was established in 1952 and as of March of 2014, it had grown to 82 employees and 26,852 members. White Sands Credit Union has a A health rating.

Field of Membership Restrictions

Must be an employee of the White Sands Missile Range or several other entities. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 White Sands Credit Union had $550,000 in non-current loans and owned real-estate with $22.28 million in equity and loan loss allowances on hand to cover it. This gives White Sands Credit Union a Texas Ratio of 2.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for White Sands Credit Union decreased dramatically from 4.15% as of March 31, 2013 to 2.47% as of March 31, 2014, resulting in a positive change of 40.53%.This indicates that the balance sheet and financial strength for White Sands Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, White Sands Credit Union has increased its total deposits by $4.56 million, resulting in 1.91% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth White Sands Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. White Sands Credit Union has $266.59 million in assets with $22.28 million in equity, resulting in a capitalization level of 8.36%, which is average.

Institution Statistics

NCUA #7960
Year Chartered1952
Primary Regulator
Assets and Liabilities
Assets$266.59 million
Loans$180.75 million
Deposits$243.13 million
Equity Capital$21.66 million
Loan Loss Allowance$618,000
Unbacked Noncurrent Loans$550,000
Real Estate Owned$0
Historic Data - March 2013
Assets$259.98 million
Equity Capital$20.62 million
Loan Loss Allowance$697,000
Unbacked Noncurrent Loans$550,000
Real Estate Owned$381,000
Profit Margin - Quarterly
Net Interest Margin0.97%
Return on Assets0.33%
Return on Equity4.08%
Interest Income$2.03 million

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White Sands Credit Union Savings Account Rates

0.15%--Regular Share Savings
0.15%--Kirby Kangaroo Savings Club
0.15%--Regular IRA
0.15%--CU Succeed Club
0.15%--Roth IRA Share
0.15%--Coverdell Education Savings Account
0.15%--SEP IRA Share

White Sands Credit Union Money Market Rates

0.25%$50k-Money Market

White Sands Credit Union Checking Account Rates

0.05%$300-Preferred Checking
0.05%$1k-Premium Checking
0.05%$100-Silver Class Checking
0.00%--Easy Checking

White Sands Credit Union CD Rates

1.46%$25k-5 Year Jumbo Share Certificate
1.36%$1k-5 Year Share Certificate
1.11%$25k-4 Year Jumbo Share Certificate
1.06%$25k-3 Year Jumbo Share Certificate
1.00%$1k-4 Year Share Certificate
0.95%$1k-3 Year Share Certificate
0.80%$25k-2 Year Jumbo Share Certificate
0.70%$1k-2 Year Share Certificate
0.55%$25k-18 Month Jumbo Share Certificate
0.50%$25k-1 Year Jumbo Share Certificate
0.45%$1k-18 Month Share Certificate
0.40%$1k-1 Year Share Certificate
0.35%$25k-6 Month Jumbo Share Certificate
0.25%$1k-6 Month Share Certificate

White Sands Credit Union IRA Rates

1.46%$25k-5 Year Jumbo IRA Certificate
1.36%$1k-5 Year IRA Certificate
1.11%$25k-4 Year Jumbo IRA Certificate
1.06%$25k-3 Year Jumbo IRA Certificate
1.00%$1k-4 Year IRA Certificate
0.95%$1k-3 Year IRA Certificate
0.80%$25k-2 Year Jumbo IRA Certificate
0.70%$1k-2 Year IRA Certificate
0.55%$25k-18 Month Jumbo IRA Certificate
0.50%$25k-1 Year Jumbo IRA Certificate
0.45%$1k-18 Month IRA Certificate
0.40%$1k-1 Year IRA Certificate
0.35%$25k-6 Month Jumbo IRA Certificate
0.25%$1k-6 Month IRA Certificate

White Sands Credit Union Locations
Branch Office143 Rock Island AveWhite Sands Missile Range, NM 88002
Branch Office2755 N Main StLas Cruces, NM 88001-1149
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