BlastPoint's Credit Union Scorecard

ARTESIA

Charter #62783 · NM

1069 CUs in 100M-500M nationally 6 in NM

ARTESIA has 6 strengths but faces 3 concerns

National Analysis

How does the industry compare?

NM Analysis

How does NM stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 27.3% in tier
+ Emerging Performer: Top 37.6% in tier
+ Organic Growth Leader: Top 56.9% in tier
+ ROA 0.84% above tier average
+ Efficiency Ratio: Top 4.4% in tier
+ Members Per Employee (MPE): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 95.5% in tier
- Indirect Auto Dependency: Bottom 96.2% in tier
- Share Certificate Concentration (%): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	9,778 +2.2% YoY+0.2% QoQ	-5.7K	15,437 -2.9% YoY	30,637 +9.7% YoY	33,374 +5.7% YoY	30%
Assets	$163.5M +4.2% YoY+5.0% QoQ	$-68.4M	$231.9M +1.3% YoY	$552.5M +15.5% YoY	$561.6M +9.7% YoY	36%
Loans	$115.0M +0.5% YoY+0.1% QoQ	$-32.3M	$147.3M -0.1% YoY	$373.6M +15.3% YoY	$397.0M +8.8% YoY	45%
Deposits	$136.6M +3.0% YoY+5.6% QoQ	$-64.2M	$200.8M +0.8% YoY	$467.0M +13.7% YoY	$477.3M +9.7% YoY	34%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% +1.2% YoY-20.2% QoQ	+0.8%	0.8% +18.2% YoY	0.9% +81.1% YoY	0.7% +15.9% YoY	Top 8.3% in tier
NIM	3.5% +12.7% YoY-1.1% QoQ	-0.1%	3.6% +6.7% YoY	3.9% +5.3% YoY	3.8% +5.1% YoY	45%
Efficiency Ratio	56.7% -2.4% YoY+2.8% QoQ	-20.3%	77.0% -3.1% YoY	74.2% -10.1% YoY	79.7% -3.3% YoY	Bottom 4.4% in tier
Delinquency Rate	0.4% -54.3% YoY-33.2% QoQ	-0.5	0.9% +4.2% YoY	1.0% -7.4% YoY	1.3% -2.1% YoY	22%
Loan To Share	84.2% -2.4% YoY-5.2% QoQ	+12.0%	72.2% -1.1% YoY	71.2% -0.7% YoY	67.4% -1.7% YoY	73%
AMR	$25,736 -0.4% YoY+2.9% QoQ	+$1K	$24,676 +3.4% YoY	$20,852 +6.0% YoY	$19,687 +2.0% YoY	66%
CD Concentration	38.4% +7.2% YoY+0.1% QoQ	+14.0%	24.4%	24.1%	19.8%	50%
Indirect Auto %	15.7% -16.1% YoY-3.2% QoQ	+1.9%	13.8%	14.3%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#163 of 595 • Top 27.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.60%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 15.73%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#69 of 182 • Top 37.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.60%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#243 of 426 • Top 56.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.22%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 15.73%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (2)

Liquidity Overhang

risk

#129 of 135 • Bottom 95.5% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.20%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 84.21%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#487 of 506 • Bottom 96.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.21%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.73%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.22%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 56.73%

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 514.632

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.60%

Peer Median: -

#89 of 1069 Top 8.2% in 100M-500M tier

111

Net Worth Ratio

risk

Value: 16.20%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

242

Total Delinquency Rate (60+ days)

risk

Value: 0.39%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (2 metrics)

966

Share Certificate Concentration (%)

balance_sheet

Value: 38.39%

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

891

AMR Growth Rate

growth

Value: -0.37%

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier