BlastPoint's Credit Union Scorecard

ARTESIAN

Charter #6859 · GA

<100M

2508 CUs in <100M nationally 42 in GA

ARTESIAN faces 7 concerns requiring attention

National Analysis

How does the industry compare?

GA Analysis

How does GA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.19% below tier average
- Efficiency ratio 9.66% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average
- Member decline: -10.2% YoY
- Member Growth Rate: Bottom 5.8% in tier
- Asset Growth Rate: Bottom 6.2% in tier
- Deposit Growth Rate: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Members	2,975 -10.2% YoY-0.2% QoQ	+298	2,676 +1.6% YoY	31,952 +7.2% YoY	33,913 +5.7% YoY	67%
Assets	$29.5M -8.9% YoY-1.3% QoQ	$-692K	$30.2M +1.3% YoY	$522.8M +8.6% YoY	$578.3M +9.0% YoY	59%
Loans	$20.4M -1.5% YoY-1.0% QoQ	+$5.1M	$15.3M -2.0% YoY	$353.5M +11.3% YoY	$402.4M +8.7% YoY	71%
Deposits	$26.3M -9.1% YoY-0.9% QoQ	+$495K	$25.8M +0.7% YoY	$449.3M +7.5% YoY	$494.3M +9.1% YoY	60%

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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	-0.0% -91.5% YoY-94.9% QoQ	-0.2%	0.1% -77.6% YoY	-0.2% -137.4% YoY	0.4% -39.2% YoY	20%
NIM	3.5% +13.8% YoY+5.8% QoQ	-0.6%	4.0% +4.0% YoY	3.6% -10.9% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	100.3% -6.2% YoY-10.0% QoQ	+9.7%	90.6% +6.5% YoY	81.8% +0.6% YoY	84.6% +2.8% YoY	85%
Delinquency Rate	1.6% -32.9% YoY-20.3% QoQ	+0.1	1.5% +3.8% YoY	1.7% +76.5% YoY	1.2% +3.4% YoY	76%
Loan To Share	77.6% +8.3% YoY-0.1% QoQ	+19.1%	58.5% -3.0% YoY	70.0% +1.3% YoY	65.6% -1.4% YoY	79%
AMR	$15,689 +4.8% YoY-0.8% QoQ	+$805	$14,884 -1.7% YoY	$17,441 +2.7% YoY	$19,920 +1.6% YoY	59%
CD Concentration	31.9% -13.6% YoY-10.4% QoQ	+7.7%	24.3%	20.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

527

Loan-to-Share Ratio

balance_sheet

Value: 77.63%

Peer Median: 58.72%

#527 of 2508 Top 21.0% in <100M tier

Top Weaknesses (9 metrics)

2364

Member Growth Rate

growth

Value: -10.23%

Peer Median: -1.37%

#2364 of 2508 Bottom 5.8% in <100M tier

2354

Asset Growth Rate

growth

Value: -8.90%

Peer Median: 1.30%

#2354 of 2508 Bottom 6.2% in <100M tier

2313

Deposit Growth Rate

growth

Value: -9.07%

Peer Median: 0.66%

#2313 of 2508 Bottom 7.8% in <100M tier

2130

Share Certificate Concentration (%)

balance_sheet

Value: 31.93%

Peer Median: 12.45%

#2130 of 2508 Bottom 15.1% in <100M tier

2127

Efficiency Ratio

profitability

Value: 100.29%

Peer Median: 81.45%

#2127 of 2508 Bottom 15.2% in <100M tier

2119

Net Charge-Off Rate

risk

Value: 0.91%

Peer Median: 0.07%

#2119 of 2508 Bottom 15.6% in <100M tier

2005

Return on Assets (ROA)

profitability

Value: -0.05%

Peer Median: 0.61%

#2005 of 2508 Bottom 20.1% in <100M tier

1961

Net Worth Ratio

risk

Value: 10.62%

Peer Median: 14.28%

#1961 of 2508 Bottom 21.9% in <100M tier

1894

Total Delinquency Rate (60+ days)

risk

Value: 1.57%

Peer Median: 0.65%

#1894 of 2508 Bottom 24.5% in <100M tier