WHITE SANDS

Charter #7960 | NM

100M-500M (1077 CUs) Micro
5 100M-500M in NM

WHITE SANDS has 6 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 0.4% in tier
  • + Relationship Depth Leader: Top 1.1% in tier
  • + ROA 0.41% above tier average
  • + Net Interest Margin 0.39% above tier average
  • + AMR Growth Rate: Top 0.8% in tier
  • + Total Delinquency Rate (60+ days): Top 2.1% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 0.2% in tier
  • - Stagnation Risk: Bottom 0.5% in tier
  • - Indirect Auto Dependency: Bottom 9.6% in tier
  • - Liquidity Overhang: Bottom 18.1% in tier
  • - Credit Quality Pressure: Bottom 25.6% in tier
  • - Growth-at-Risk: Bottom 28.8% in tier
  • - Member decline: -20.7% YoY
  • - Member Growth Rate: Bottom 0.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 24,415
-20.7% YoY+0.6% QoQ
 +8.8K 15,628
-3.4% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 Top 14.2% in tier
Assets $402.7M
+1.9% YoY+0.7% QoQ
 +$171.4M $231.3M
-0.0% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 Top 10.4% in tier
Loans $209.5M
+1.5% YoY+1.2% QoQ
 +$61.7M $147.8M
-1.4% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 Top 22.7% in tier
Deposits $349.0M
+0.8% YoY+0.4% QoQ
 +$148.7M $200.3M
-0.0% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 Top 10.4% in tier
ROA 1.2%
-0.2% YoY-2.7% QoQ
 +0.4% 0.8%
+15.5% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Top 22.0% in tier
NIM 4.0%
+11.6% YoY+0.4% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 70.9%
+3.4% YoY+0.9% QoQ
 -6.3% 77.3%
-3.0% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 28th in tier
Delinquency Rate 0.1%
+215.5% YoY-35.8% QoQ
 -0.8 0.9%
+7.6% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 Bottom 2.1% in tier
Loan To Share 60.0%
+0.7% YoY+0.8% QoQ
 -12.7% 72.7%
-1.5% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Bottom 21.5% in tier
AMR $22,874
+27.4% YoY+0.1% QoQ
 $-1K $24,363
+2.9% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 52nd in tier
CD Concentration 12.0%
+10.0% YoY+5.9% QoQ
 -12.4% 24.4%
+4.2% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 33.8%
+1.1% YoY-1.6% QoQ
 +19.8% 14.0%
-5.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#12 of 1006 • Top 0.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 27.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#32 of 1006 • Top 1.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 27.43%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (6)

Membership Headwinds

decline
#4 of 550 • Bottom 0.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -20.70%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#9 of 550 • Bottom 0.5% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.20%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -20.70%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $22.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 12.01%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#155 of 525 • Bottom 9.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.94%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 33.78%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -20.70%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#281 of 552 • Bottom 18.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.80%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.03%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Credit Quality Pressure

risk
#633 of 736 • Bottom 25.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#432 of 446 • Bottom 28.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.49%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

10
AMR Growth Rate
growth
Value: 27.43%
Peer Avg: 3.64%
#10 of 1077 Top 0.8% in 100M-500M tier
24
Total Delinquency Rate (60+ days)
risk
Value: 0.05%
Peer Avg: 0.86%
#24 of 1077 Top 2.1% in 100M-500M tier
112
Total Assets
balance_sheet
Value: $402.75M
Peer Avg: $231.30M
#112 of 1077 Top 10.3% in 100M-500M tier
112
Total Deposits
balance_sheet
Value: $348.98M
Peer Avg: $200.29M
#112 of 1077 Top 10.3% in 100M-500M tier
153
Total Members
engagement
Value: 24,415
Peer Avg: 15,628
#153 of 1077 Top 14.1% in 100M-500M tier
160
Share Certificate Concentration (%)
balance_sheet
Value: 12.01%
Peer Avg: 23.61%
#160 of 1077 Top 14.8% in 100M-500M tier
237
Return on Assets (ROA)
profitability
Value: 1.20%
Peer Avg: 0.79%
#237 of 1077 Top 21.9% in 100M-500M tier
244
Total Loans
balance_sheet
Value: $209.48M
Peer Avg: $147.80M
#244 of 1077 Top 22.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1071
Member Growth Rate
growth
Value: -20.70%
Peer Avg: 0.72%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
937
Indirect Auto Concentration (%)
balance_sheet
Value: 33.78%
Peer Avg: 13.34%
#937 of 1077 Bottom 13.1% in 100M-500M tier
850
Members Per Employee (MPE)
engagement
Value: 257.000
Peer Avg: 332.881
#850 of 1077 Bottom 21.2% in 100M-500M tier
845
Loan-to-Share Ratio
balance_sheet
Value: 60.03%
Peer Avg: 72.70%
#845 of 1077 Bottom 21.6% in 100M-500M tier
812
Deposit Growth Rate
growth
Value: 0.80%
Peer Avg: 4.69%
#812 of 1077 Bottom 24.7% in 100M-500M tier