WHITE SANDS
Federal • LAS CRUCES, New Mexico • Est. 1952
Quick Facts
- Charter Number
- #7960
- Type
- Federal
- Established
- 1952
- Headquarters
- LAS CRUCES, New Mexico 88004
- Address
- PO BOX 99
- Branches
- 4
- ATMs
- 4
- Members
- 23,407
- Membership Type
- Multiple Common Bond
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
23,407 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | WHITE SANDS |
|---|---|
| Total Assets | $404.0M |
| Members | 23,407 |
| Loans Outstanding | $209.7M |
| Shares & Deposits | $350.0M |
| Net Worth | $52.4M |
| Net Worth Ratio | 12.97% |
| Loan-to-Share Ratio | 59.9% |
| Delinquency Rate | 0.05% |
| Net Income | +$5,128,688 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
North Main Branch
Main Office2755 N Main St
Las Cruces, NM 88001-1149
Lohman
2190 E Lohman Ave
Las Cruces, NM 88001-8452
El Paso
4545 Hondo Pass Dr
El Paso, TX 79904-1303
T or C
115 Buck Greer Street
Truth or Consequences, NM 87901
Who Can Join WHITE SANDS?
Membership Type: Multiple Common Bond
WHITE SANDS serves multiple select groups, such as employees of specific companies or members of certain associations. Contact the credit union to find out if you qualify.
Contact WHITE SANDS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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Browse all federally insured credit unions in New Mexico, ranked by assets, members, and financial health score.
View New Mexico RankingsFrequently Asked Questions
Yes. WHITE SANDS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, WHITE SANDS has 23,407 members and a potential membership field of 54,000 people.
WHITE SANDS's net worth ratio is 12.97% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.0%, WHITE SANDS meets this threshold.
WHITE SANDS operates 4 branch locations and has access to 4 ATMs. The main office is located at 2755 N Main St, Las Cruces, NM 88001-1149.
WHITE SANDS was established in 1952. It is a federal credit union chartered under charter number 7960. The institution has been serving members for 74 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or WHITE SANDS. All financial data is for informational purposes only.