WHITE SANDS Credit Union Profile

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WHITE SANDS

Charter #7960 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (575) 647-4500

Fax: (575) 647-4680

Founding Date: N/A

Website: https://www.wsfcu.org

Personnel & Operations

President: Wagner, Patricia

Manager: Fifield, Phillip

FT Employees: 83

PT Employees: 9

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 35

Branches: 4

Hours: LOBBY HOURS: MONDAY THROUGH FRIDAY, 9-5, SA

Credit Union Profile Summary

WHITE SANDS is a FCU Credit Union. With a total of 24,277 members [1], this institution manages approximately $400,144,547 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.6% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.12% [1].

Financial Snapshot

Total Assets [1]
$400,144,547

Total economic resources.

Total Loans [1]
$206,944,900

Total value of outstanding loans.

Total Deposits [1]
$347,585,870

Total funds deposited by members.

Members [1]
24,277

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.6%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.24%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
59.54%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
0.39%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
4.12%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-21.40%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2755 N MAIN ST

LAS CRUCES, NM, 88001-1149

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by WHITE SANDS (Charter #7960).

Main Office

North Main Branch Main Office

Type: Corporate Office

2755 N Main St

Las Cruces, NM 88001-1149

Phone: (575) 647-4500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

El Paso

El Paso

Type: Branch Office

4545 Hondo Pass Dr

El Paso, TX 79904-1303

Phone: (915) 751-9933

Services: Member Services, ATM, Drive-Thru

Open in Directions

Las Cruces

Lohman

Type: Branch Office

2190 E Lohman Ave

Las Cruces, NM 88001-8452

Phone: (575) 647-4500

Services: Member Services, ATM, Drive-Thru

Open in Directions

Truth Or Consequences

T or C

Type: Branch Office

115 Buck Greer Street

Truth Or Consequences, NM 87901

Phone: (575) 894-1411

Services: Member Services, ATM

Open in Directions