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White Sands Credit Union

Overview
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White Sands Credit Union is a federal credit union based in Las Cruces, New Mexico. It has been opened since 1952, for 68 years.

With around $307,920,000 in assets, White Sands Credit Union is considered to be a very large credit union. It has 5 branches and 5 ATM locations.

About
Address Po Box 99
Las Cruces, New Mexico 88004
Website http://www.wsfcu.org
Phone (575) 647-4500
Fax (575) 647-4680
CEO William J. Jacobs
President of the Board Horace Randall
Services Offered
Map
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Score Card
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68 years
Years in business
Opened in 1952
Well Capitalized
Net worth classification
Source: NCUA
33,782 members
Membership type: Multiple common bond – primary military
Above average number of members
325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$307,924,247
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 3 in New Mexico
Above average number of branches
White Sands Credit Union Branch Locations

White Sands Credit Union: North Main Branch
2755 North Main Street
Las Cruces, New Mexico 88001
ATM Available
White Sands Credit Union: Lohman
2190 E. Lohman Avenue
Las Cruces, New Mexico 88001
ATM Available
White Sands Credit Union: El Paso
4545 Hondo Pass Drive
EL Paso, Texas 79904
ATM Available
White Sands Credit Union: T. Or C.
1914 North Date Street
Truth OR Consequences, New Mexico 87901
ATM Available
White Sands Credit Union: White Sands Missile Range
143 Rock Island Avenue
White Sands Missile Range, New Mexico 88002
ATM Available
Members
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33,782 members
Membership type: Multiple common bond – primary military
Above average number of members

With 33,782 members, the White Sands Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 88% of credit unions.

Fees
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$72
Average fee per member
The average fee per member at the White Sands Credit Union is $72, which is high compared to most credit unions. This rate is higher than 68% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the White Sands Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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325:1
Credit union member to staff ratio
325 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
104 staff members
FTE (full-time equivalent)
25% of employees are part-time
89 full-time, 30 part-time

White Sands Credit Union has 89 full-time staff members and 30 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. White Sands Credit Union has around 325 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$307,924,247
Total assets
Above average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
9.2%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$16,722
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 85% of credit unions.

White Sands Credit Union holds a total of $201,680,000 in loans and leases, which is about $16,722 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. White Sands Credit Union pays 0.20%.

Loan rates
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9.95%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
6.95%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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4.00%
New car loan rate
Compared to 4.0% nationally
4.50%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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6.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
6.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
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