BlastPoint's Credit Union Scorecard
ARTESIA
Charter #62783 · NM
ARTESIA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.2% in tier
- + Profitability Leader: Top 10.6% in tier
- + Organic Growth Leader: Top 14.9% in tier
- + Emerging Performer: Top 19.0% 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
- - Shrinking Wallet Share: Bottom 20.0% in tier
- - Indirect Auto Dependency: Bottom 30.8% in tier
- - Liquidity Overhang: Bottom 91.7% 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
|
29% |
| 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
|
33% |
| 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
|
45% |
| 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
|
30% |
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| 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
|
48% |
| 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
|
44% |
| 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
|
82% |
| 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
|
64% |
| 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
|
50% |
| Indirect Auto % |
16.3%
-15.8% YoY-5.8% QoQ
|
+2.3% |
14.0%
-5.7% YoY
|
14.5%
+3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)