Credit union · NCUA insured
White Sands Federal Credit Union
A $414.6M credit union headquartered in Las Cruces, NM, with 21,840 members and 4 branches in 2 states. Best rates: savings 0.30% APY.
White Sands Federal Credit Union Carrot Score
69
Carrot Score
Higher than 24% of U.S. banks and credit unions
#11 of 17 in Las Cruces, NM metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About White Sands Federal Credit Union
White Sands Federal Credit Union is a member-owned financial cooperative that spans two states and four communities.
- Headquarters
- 2755 N Main St, Las Cruces, NM 88001-1149
- NCUA charter
- 7960
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in Dona Ana County, Sierra County, El Paso County, or Hudspeth County are eligible for membership.
Family and household
- Family members of any current member living within the field of membership community are eligible for membership.
Other ways
- Anyone over the age of 55 living within the field of membership community is eligible for membership.
Cost to join
- An initial deposit is required to fund the account, with the required amount varying.
- A one-time membership fee of $10 is charged to join, which is waived on Youth and Teen Accounts.
Branches
4 branches in 2 states
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New Mexico
3 branches
Las Cruces area · 2
- North Main BranchMain office2755 N Main St, Las Cruces, NM 88001Directions
- Lohman2190 E Lohman Ave, Las Cruces, NM 88001Directions
Truth or Consequences area · 1
- T or C115 Buck Greer Street, Truth or Consequences, NM 87901Directions
Texas
1 branch
- El Paso4545 Hondo Pass Dr, El Paso, TX 79904Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.17% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.11% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.01% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $58 | $76 | — |
- CapitalNet worth ratio13.17%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.11%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.01%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$58Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of White Sands Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.