WHITE SANDS
Charter #7960 · LAS CRUCES, NM · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.09% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | WHITE SANDS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $414.58M | 91th pct | 79th pct |
| Members | 21,840 | 83th pct | 69th pct |
| Net worth ratio | 12.89% | 68th pct | 67th pct |
| Return on average assets | 0.98% | 69th pct | 66th pct |
| Net interest margin | 3.77% | 58th pct | 66th pct |
| Cost of funds | 0.74% | 27th pct | 36th pct |
| Loan-to-share | 58.26% | 24th pct | 34th pct |
| Delinquency 60+ days | 0.09% | 5th pct | 13th pct |
| Net charge-off ratio | 0.26% | 38th pct | 43th pct |
| Loan growth YoY | -0.15% | 46th pct | 51th pct |
| Share growth YoY | 2.89% | 41th pct | 41th pct |
| Efficiency ratio | 74.08% | 34th pct | 30th pct |
structural peer set hash: 099ebfe29d6e9a1931b52d5598ccc431… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.