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WHITE SANDS FEDERAL CREDIT UNION

Dec, 31, 2023 — WHITE SANDS FEDERAL CREDIT UNION is a federal credit union headquartered in LAS CRUCES, NM with 4 branch locations and about $396.59 million in total assets. Opened 72 years ago in 1952, WHITE SANDS FEDERAL CREDIT UNION has about 30,948 members and employs 90 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 312276470
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:30,948
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, 2022
FHLB Member:No
Low Income Designation:No
Assets:$396,591,500
CEO/Manager:Phillip Fifield
Chairperson:Patricia Wagner

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 41,853,324
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 68,322,463
 Unsecured Loans 10,593,226
 Other Loans 129,055,585
 TOTAL LOANS 207,971,274
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -444,876
 Land And Building 5,556,130
 Other Fixed Assets 1,161,799
 NCUSIF Deposit 3,569,123
 All Other Assets 112,644
  TOTAL ASSETS 396,591,500
LIABILITIES & CAPITAL:  
 Dividends Payable 94
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 536,492
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 80,994,836
 Regular shares 176,356,814
 All Other Shares & Deposits 95,650,720
  TOTAL SHARES & DEPOSITS 353,002,370
  TOTAL LIABILITIES 353,538,956
 Regular Reserve 0
 Other Reserves -68,061
 Undivided Earnings 43,120,605
  TOTAL EQUITY 43,052,544
  TOTAL LIABILITIES, SHARES, & EQUITY 396,591,500
INCOME & EXPENSE  
 Loan Income 9,780,901
 Investment Income 4,666,593
 Other Income 2,445,355
 Total Employee Compensation & Benefits 5,504,635
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 5,963,574
 Non-operating Income & (Expense) 93,804
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -19,942
 Cost of Funds 1,598,772
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 4,167,150
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