White Sands
White Sands is a credit union based in Las Cruces, New Mexico, established in 1952, with $415 million in total assets serving 21,840 members. By Trust Grade it ranks 1st of 37 credit unions we track in New Mexico. Its net worth ratio of 12.9% is stronger than 71% of similarly sized credit unions, versus a New Mexico median of 13.2%. It was profitable over the most recent period, with a 0.97% return on assets. No consumer complaints against White Sands appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How White Sands compares to New Mexico peers
How we graded White Sands
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.9% capital ratio)
- Profitable (ROA 0.97%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for White Sands over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at White Sands insured?
Yes. White Sands is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
White Sands: frequently asked questions
Is White Sands a good credit union?
White Sands earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.9% capital ratio); Profitable (ROA 0.97%).
Is White Sands NCUA-insured?
Yes. White Sands is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is White Sands?
White Sands holds $415 million in total assets, ranking 1st of 37 credit unions we track in New Mexico. It serves 21,840 members.
Does White Sands have CFPB complaints?
No CFPB complaints against White Sands appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
