BlastPoint's Credit Union Scorecard

ARTESIA

Charter #62783 · NM

100M-500M

1024 CUs in 100M-500M nationally 6 in NM

ARTESIA has 8 strengths but faces 6 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

+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.48% above tier average
+ Members Per Employee (MPE): Top 4.2% in tier
+ Asset Growth Rate: Top 7.5% in tier
+ Deposit Growth Rate: Top 8.7% in tier
+ Fee Income Per Member: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Delinquency rate 0.20% above tier average
- Share Certificate Concentration (%): Bottom 8.4% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 6 that size in New Mexico.
Shares and deposits +10.3% year over year ($144M in shares and deposits).
Membership: 9,911 members, +1.8% vs a year ago.
Delinquency rate 1.08%.
Return on assets 1.34%.
Efficiency ratio 62.90% vs a 76.73% peer average.
Loan-to-share ratio 79.94% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	9,911 +1.8% YoY+0.7% QoQ	-5.3K	15,168 -2.6% YoY	31,280 +3.2% YoY	34,678 +6.6% YoY	32%
Assets	$172.7M +10.6% YoY+2.5% QoQ	$-59.3M	$232.0M +0.7% YoY	$563.2M +7.3% YoY	$593.1M +10.2% YoY	40%
Loans	$115.1M -0.7% YoY-0.0% QoQ	$-31.1M	$146.3M +0.2% YoY	$387.4M +10.2% YoY	$418.6M +10.1% YoY	45%
Deposits	$144.0M +10.3% YoY+2.7% QoQ	$-56.7M	$200.7M +0.2% YoY	$479.3M +6.9% YoY	$504.8M +10.3% YoY	38%

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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	1.3% -26.5% YoY+8.2% QoQ	+0.5%	0.9% +12.5% YoY	1.0% +20.6% YoY	1.2% +121.4% YoY	82%
NIM	3.4% -0.2% YoY-1.0% QoQ	-0.3%	3.7% +4.5% YoY	3.9% +4.7% YoY	3.8% +2.3% YoY	32%
Efficiency Ratio	62.9% +10.3% YoY-7.6% QoQ	-13.8%	76.7% -0.8% YoY	77.7% +3.4% YoY	83.0% -5.3% YoY	Top 12.0% in tier
Delinquency Rate	1.1% +113.0% YoY+31.9% QoQ	+0.2	0.9% +6.6% YoY	1.0% +10.0% YoY	1.3% +2.6% YoY	72%
Loan To Share	79.9% -9.9% YoY-2.7% QoQ	+8.4%	71.5% -0.3% YoY	70.5% +0.9% YoY	66.4% -1.4% YoY	64%
AMR	$26,148 +3.3% YoY+0.8% QoQ	+$1K	$25,107 +3.2% YoY	$21,119 +3.0% YoY	$20,028 -0.9% YoY	67%
CD Concentration	39.8% +9.2% YoY+1.7% QoQ	+15.3%	24.6%	24.3%	20.0%	50%
Indirect Auto %	14.0% -19.0% YoY-7.6% QoQ	+0.3%	13.6%	14.3%	7.7%	50%

Signature Analysis

Strengths (3)

Emerging Performer

growth

#91 of 175 • Top 50.0% 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: 1.34%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.82%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Organic Growth Engine

growth

#205 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.34%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 13.97%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth

#229 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.82%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 13.97%

(Tier: 13.63%, National: 7.71%)

but worse than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#114 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.57% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Margin Compression

decline

#30 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.34%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.83%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.48% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk

#67 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.89% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 57.01%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Liquidity Overhang

risk

#128 of 130 • Bottom 50.0% in tier

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

Why This Signature

Net Worth Ratio: 16.12%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 79.94%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 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 1024 peers in tier

Top Strengths (7 metrics)

Members Per Employee (MPE)

engagement

Value: 521.632

Peer Median: 310.924

#44 of 1024 Top 4.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.59%

Peer Median: 4.12%

#78 of 1024 Top 7.5% in 100M-500M tier

Deposit Growth Rate

growth

Value: 10.30%

Peer Median: 3.58%

#90 of 1024 Top 8.7% in 100M-500M tier

Fee Income Per Member

profitability

Value: $264.68

Peer Median: $159.88

#92 of 1024 Top 8.9% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.12%

Peer Median: 11.71%

#120 of 1024 Top 11.6% in 100M-500M tier

124

Efficiency Ratio

profitability

Value: 62.90%

Peer Median: 77.26%

#124 of 1024 Top 12.0% in 100M-500M tier

183

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Median: 0.75%

#183 of 1024 Top 17.8% in 100M-500M tier

Top Weaknesses (1 metrics)

939

Share Certificate Concentration (%)

balance_sheet

Value: 39.84%

Peer Median: 23.39%

#939 of 1024 Bottom 8.4% in 100M-500M tier