BlastPoint's Credit Union Scorecard
ARTESIAN
Charter #6859 · GA
ARTESIAN has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.60% below tier average
- - Efficiency ratio 27.57% above tier (higher cost structure)
- - Delinquency rate 0.21% above tier average
- - Member decline: -3.6% YoY
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,169
-3.6% YoY-4.5% QoQ
|
+543 |
2,625
-2.2% YoY
|
30,529
+3.7% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$31.3M
-4.2% YoY-2.6% QoQ
|
+$1.4M |
$29.9M
+1.1% YoY
|
$489.5M
+5.8% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$20.7M
-5.7% YoY-2.5% QoQ
|
+$4.9M |
$15.8M
-2.4% YoY
|
$335.0M
+9.2% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$28.0M
-3.5% YoY-2.7% QoQ
|
+$2.5M |
$25.5M
+0.4% YoY
|
$419.7M
+4.9% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
-0.9%
-29.6% YoY+11.0% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
1.1%
+41.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.9% in tier |
| NIM |
3.1%
-1.3% YoY+2.0% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
4.2%
+4.4% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
109.0%
+2.7% YoY-1.2% QoQ
|
+27.6% |
81.4%
-2.4% YoY
|
76.7%
+1.1% YoY
|
79.1%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
1.7%
-45.3% YoY-23.2% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.3%
+2.5% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
73.9%
-2.2% YoY+0.2% QoQ
|
+12.7% |
61.2%
-3.0% YoY
|
72.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$15,342
-0.8% YoY+2.1% QoQ
|
+$716 |
$14,627
-2.7% YoY
|
$17,296
+4.1% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
37.7%
+0.8% YoY-0.4% QoQ
|
+13.3% |
24.4%
+4.2% YoY
|
19.9%
+4.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
4.6%
+4.3% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)