ARTESIA

Charter #62783 | NM

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

ARTESIA has 7 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 1.3% in tier
  • + Organic Growth Engine: Top 6.2% in tier
  • + Organic Growth Leader: Top 14.9% in tier
  • + ROA 1.22% above tier average
  • + Efficiency Ratio: Top 4.5% in tier
  • + Members Per Employee (MPE): Top 5.0% in tier
  • + Net Worth Ratio: Top 8.4% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 18.4% in tier
  • - Shrinking Wallet Share: Bottom 20.0% in tier
  • - Indirect Auto Dependency: Bottom 30.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NM) National Avg Tier Percentile
Members 9,762
+2.7% YoY+0.3% QoQ
 -5.9K 15,628
-3.4% YoY
 30,510
+9.1% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $155.7M
+3.6% YoY-0.3% QoQ
 $-75.6M $231.3M
-0.0% YoY
 $545.3M
+12.6% YoY
 $547.7M
+7.8% YoY
 33rd in tier
Loans $114.9M
+0.7% YoY-0.9% QoQ
 $-32.9M $147.8M
-1.4% YoY
 $367.9M
+14.8% YoY
 $388.7M
+8.6% YoY
 45th in tier
Deposits $129.3M
+2.1% YoY-1.0% QoQ
 $-71.0M $200.3M
-0.0% YoY
 $461.5M
+14.0% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 2.0%
+25.5% YoY+10.0% QoQ
 +1.2% 0.8%
+15.5% YoY
 0.9%
+49.5% YoY
 0.7%
+273.4% YoY
 Top 3.2% in tier
NIM 3.6%
+13.4% YoY+4.5% QoQ
 -0.0% 3.6%
+6.9% YoY
 3.9%
+6.9% YoY
 3.7%
+5.0% YoY
 48th in tier
Efficiency Ratio 55.2%
-4.5% YoY-3.2% QoQ
 -22.1% 77.3%
-3.0% YoY
 73.5%
-8.8% YoY
 79.1%
-3.3% YoY
 Bottom 4.5% in tier
Delinquency Rate 0.6%
-48.3% YoY+14.3% QoQ
 -0.3 0.9%
+7.6% YoY
 1.1%
+5.6% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 88.9%
-1.4% YoY+0.1% QoQ
 +16.2% 72.7%
-1.5% YoY
 71.6%
-0.2% YoY
 68.0%
-1.7% YoY
 Top 17.5% in tier
AMR $25,019
-1.2% YoY-1.2% QoQ
 +$655 $24,363
+2.9% YoY
 $20,672
+6.3% YoY
 $19,418
+1.3% YoY
 64th in tier
CD Concentration 38.4%
+13.9% YoY+5.1% QoQ
 +14.0% 24.4%
+4.2% YoY
 24.3%
+4.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.3%
-15.8% YoY-5.8% QoQ
 +2.3% 14.0%
-5.8% YoY
 14.5%
+3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#26 of 627 • Top 1.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 2.01%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.71%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#114 of 603 • Top 6.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 2.01%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 16.25%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#197 of 430 • Top 14.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (3)

Liquidity Overhang

risk
#285 of 552 • Bottom 18.4% 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: 16.65%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.86%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#200 of 244 • Bottom 20.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.20%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#496 of 525 • Bottom 30.8% in tier

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

Why This Signature
Asset Growth (YoY): 3.62%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.25%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.71%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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 (7 metrics)

34
Return on Assets (ROA)
profitability
Value: 2.01%
Peer Avg: 0.79%
#34 of 1077 Top 3.1% in 100M-500M tier
49
Efficiency Ratio
profitability
Value: 55.20%
Peer Avg: 77.28%
#49 of 1077 Top 4.5% in 100M-500M tier
55
Members Per Employee (MPE)
engagement
Value: 513.789
Peer Avg: 332.881
#55 of 1077 Top 5.0% in 100M-500M tier
92
Net Worth Ratio
risk
Value: 16.65%
Peer Avg: 12.15%
#92 of 1077 Top 8.4% in 100M-500M tier
188
Loan-to-Share Ratio
balance_sheet
Value: 88.86%
Peer Avg: 72.70%
#188 of 1077 Top 17.4% in 100M-500M tier
215
Fee Income Per Member
profitability
Value: $228.04
Peer Avg: $174.31
#215 of 1077 Top 19.9% in 100M-500M tier
239
Member Growth Rate
growth
Value: 2.71%
Peer Avg: 0.72%
#239 of 1077 Top 22.1% in 100M-500M tier

Top Weaknesses (2 metrics)

969
Share Certificate Concentration (%)
balance_sheet
Value: 38.36%
Peer Avg: 23.61%
#969 of 1077 Bottom 10.1% in 100M-500M tier
914
AMR Growth Rate
growth
Value: -1.20%
Peer Avg: 3.64%
#914 of 1077 Bottom 15.2% in 100M-500M tier