White Sands

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$404.0M

41^th percentile

Members

23,407

37^th percentile

Total loans

$209.7M

24^th percentile

Total shares

$350.0M

43^th percentile

Profitability

Return on assets

1.27%

70^th percentile

Net interest margin

3.95%

80^th percentile

Efficiency ratio

64.08%

28^th percentile

Non-interest income ratio

13.35%

17^th percentile

Capital & Risk

Net worth ratio

12.97%

76^th percentile

Delinquency rate

0.05%

99^th percentile

Net charge-off rate

0.27%

65^th percentile

Loan-to-share

59.92%

12^th percentile

Growth

Member growth YoY

-4.23%

13^th percentile

Asset growth YoY

2.97%

33^th percentile

Loan growth YoY

0.63%

31^th percentile

Share growth YoY

2.17%

29^th percentile

Operations

Members / branch

5,852

71^th percentile

Assets / member

$17,262

59^th percentile

Field of membership penetration

43.35%

93^th percentile

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