I had the SAME issue with one of the first cooling rigs I made.
1. It was not biological, I ran 10% Isopropyl alcohol in the coolant
2. It wasnt white it was a VERY pale green ( almost white)
What it came down to was corrosion from the Aluminum blocks and the copper radiator. It was galvanic corrosion. I added water wetter, and all was right in the world