BlastPoint's Credit Union Scorecard

ARTESIA

Charter #62783 · NM

100M-500M

1070 CUs in 100M-500M nationally 6 in NM

ARTESIA has 4 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
+ ROA 0.51% above tier average
+ Fee Income Per Member: Top 1.5% in tier
+ Members Per Employee (MPE): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Share Certificate Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NM)	National Avg	Tier Percentile
Members	9,844 +1.8% YoY+0.7% QoQ	-5.3K	15,145 -2.5% YoY	30,914 +5.7% YoY	33,913 +5.7% YoY	31%
Assets	$168.4M +3.9% YoY+3.0% QoQ	$-63.3M	$231.7M +0.8% YoY	$559.7M +10.6% YoY	$578.3M +9.0% YoY	38%
Loans	$115.2M -0.2% YoY+0.1% QoQ	$-29.0M	$144.1M +0.2% YoY	$378.7M +12.3% YoY	$402.4M +8.7% YoY	46%
Deposits	$140.2M +2.2% YoY+2.6% QoQ	$-61.0M	$201.1M +0.4% YoY	$478.4M +9.0% YoY	$494.3M +9.1% YoY	36%

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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	1.2% -16.3% YoY-22.6% QoQ	+0.5%	0.7% +5.1% YoY	0.8% +125.8% YoY	0.4% -39.2% YoY	81%
NIM	3.4% +5.0% YoY-2.5% QoQ	-0.2%	3.6% +4.6% YoY	3.9% +3.5% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	68.1% +3.7% YoY+20.0% QoQ	-9.9%	78.0% -1.7% YoY	76.9% -4.0% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	0.8% +144.0% YoY+111.3% QoQ	+0.0	0.8% +7.1% YoY	0.9% +18.5% YoY	1.2% +3.4% YoY	66%
Loan To Share	82.2% -2.3% YoY-2.4% QoQ	+11.7%	70.4% -0.4% YoY	69.3% +1.3% YoY	65.6% -1.4% YoY	74%
AMR	$25,939 -0.7% YoY+0.8% QoQ	+$1K	$24,918 +2.7% YoY	$21,135 +4.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	39.2% +14.7% YoY+2.1% QoQ	+14.9%	24.3%	24.0%	19.8%	50%
Indirect Auto %	15.1% -15.9% YoY-3.8% QoQ	+1.3%	13.8%	14.3%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#103 of 157 • 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: 1.24%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.81%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#120 of 727 • 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): 0.48% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Margin Compression

decline

#57 of 133 • 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: 1.24%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.48%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Shrinking Wallet Share

decline

#220 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.68%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#473 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.94%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.81%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Liquidity Overhang

risk

#122 of 126 • 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: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 82.17%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

Fee Income Per Member

profitability

Value: $419.70

Peer Median: $154.95

#17 of 1070 Top 1.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 492.200

Peer Median: 309.176

#68 of 1070 Top 6.3% in 100M-500M tier

111

Net Worth Ratio

risk

Value: 16.12%

Peer Median: 11.45%

#111 of 1070 Top 10.3% in 100M-500M tier

202

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.69%

#202 of 1070 Top 18.8% in 100M-500M tier

225

Efficiency Ratio

profitability

Value: 68.10%

Peer Median: 78.68%

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (2 metrics)

976

Share Certificate Concentration (%)

balance_sheet

Value: 39.18%

Peer Median: 23.10%

#976 of 1070 Bottom 8.9% in 100M-500M tier

888

AMR Growth Rate

growth

Value: -0.68%

Peer Median: 3.46%

#888 of 1070 Bottom 17.1% in 100M-500M tier