Fees from its schedule are under review and appear here once review is done.
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Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
81st percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 7, 2026
Call-report figures are for White Sands Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 569 credit unions with $300M to $1B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | White Sands Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.9% median of 569 credit unions with $300M to $1B in assets (81st percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $607K in Q2 2026, 5.5% below the same quarter a year earlier ($642K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for White Sands Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $607K | −$44K | −6.8% |
| Q1 2026 | $651K | +$7K | +1.1% |
| Q4 2025 | $644K | $0 | 0.0% |
| Q3 2025 | $644K | +$2K | +0.3% |
| Q2 2025 | $642K | +$17K | +2.7% |
| Q1 2025 | $625K | −$46K | −6.9% |
| Q4 2024 | $671K | +$3K | +0.4% |
| Q3 2024 | $668K | +$26K | +4.0% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, White Sands Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to White Sands Federal Credit Union by share.
They stay out of every comparison until review is done.
per year
per year
per month
per month
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account MaintenanceUnder review | |||
| Account Research (audience not stated, treated as personal) | $20 | Not stated | None |
ATM & CardUnder review | |||
| Foreign transactions (audience not stated, treated as personal) | Not stated | Not stated | None |
Other feesUnder review | |||
| 10" x 10" Box (audience not stated, treated as personal) | $75 | per year | None |
| 5" x 10" Box (audience not stated, treated as personal) | $50 | per year | None |
| balance is only (audience not stated, treated as personal) | $10 | Not stated | None |
| Before the restaurant charge is sent to us for payment, a check that you wrote for (audience not stated, treated as personal) | $40 | Not stated | None |
| Doing Business As Service Fee (audience not stated, treated as personal) | $5 | per month | None |
| example, if we pay (audience not stated, treated as personal) | $40 | Not stated | None |
| Foreign transactions (audience not stated, treated as personal) | Not stated | Not stated | None |
| In this example, if we pay (audience not stated, treated as personal) | $40 | Not stated | None |
| Platinum Debit (Bazing) Service Fee (audience not stated, treated as personal) | $5 | per month | None |
| Silver Debit Service Fee (audience not stated, treated as personal) | $2 | per month | None |
| Stop Payment (audience not stated, treated as personal) | $27.50 | per item | None |
| Visa Debit Card Overdraft (audience not stated, treated as personal) | $5 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 7, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where White Sands Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Las Cruces, NM | 2 |
| El Paso, TX | 1 |
| Truth Or Consequences, NM | 1 |
Largest competitors nearby
Local market: Do�a Ana county, NM, around its headquarters.
| 17 in its local market | Deposit share |
|---|---|
| Citizens Bank of Las Cruces | 28.1% |
| Wells Fargo Bank, National Association | 23.9% |
| Bank of America, National Association | 8.4% |
| First American Bank | 5.1% |
| Pioneer Bank | 4.7% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows