Sep, 30, 2025 — WHITE SANDS FEDERAL CREDIT UNION is a federal credit union headquartered in LAS CRUCES, NM with 4 branch locations and about $402.75 million in total assets. Opened 74 years ago in 1952, WHITE SANDS FEDERAL CREDIT UNION has about 24,415 members and employs 95 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WHITE SANDS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2755 N Main St LAS CRUCES, NM 88001-1149 |
| Phone: | (575) 647-4500 |
| Fax: | (575) 647-4680 |
| Website: | https://www.wsfcu.org |
| Branches: | 4 branch locations |
| Members: | 24,415 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 7960 |
|---|---|
| Membership Type: | Multiple common bond - Primarily military |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $402,747,435 |
| CEO/Manager: | Phillip Fifield |
| Chairperson: | Patricia Wagner |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 32,508,856 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 67,689,648 |
| Unsecured Loans | 10,300,523 |
| Other Loans | 131,487,996 |
| TOTAL LOANS | 209,478,167 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -657,340 |
| Land And Building | 6,024,222 |
| Other Fixed Assets | 1,101,287 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,332,936 |
| All Other Assets | 46,637 |
| TOTAL ASSETS | 402,747,435 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 345,000 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,868,997 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 80,823,755 |
| Regular shares | 171,535,327 |
| All Other Shares & Deposits | 96,624,543 |
| TOTAL SHARES & DEPOSITS | 348,983,626 |
| TOTAL LIABILITIES | 351,197,623 |
| Regular Reserve | 0 |
| Other Reserves | -20,096 |
| Undivided Earnings | 51,569,908 |
| TOTAL EQUITY | 51,549,812 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 402,747,435 |
| INCOME & EXPENSE | |
| Loan Income | 8,820,162 |
| Investment Income | 5,016,315 |
| Other Income | 1,910,813 |
| Total Employee Compensation & Benefits | 4,204,699 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,811,035 |
| Non-operating Income & (Expense) | 97,806 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 502,435 |
| Cost of Funds | 1,883,772 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,599,509 |
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