BlastPoint's Credit Union Scorecard
ARTESIAN
Charter #6859 · GA
ARTESIAN faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 18.14% above tier (higher cost structure)
- - Member decline: -10.2% YoY
- - Asset Growth Rate: Bottom 5.7% in tier
- - Member Growth Rate: Bottom 6.0% in tier
- - Deposit Growth Rate: Bottom 7.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 41 that size in Georgia.
- Shares and deposits -9.9% year over year ($25.9M in shares and deposits).
- Membership: 2,983 members, -10.2% vs a year ago.
- Delinquency rate 1.55%.
- Return on assets 0.94%.
- Efficiency ratio 106.90% vs a 88.77% peer average.
- Loan-to-share ratio 77.54% vs a 58.89% 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,983
-10.2% YoY+0.3% QoQ
|
+397 |
2,585
-1.7% YoY
|
32,666
+7.6% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$29.1M
-9.6% YoY-1.5% QoQ
|
$-1.2M |
$30.3M
+1.5% YoY
|
$529.0M
+8.4% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$20.1M
-5.2% YoY-1.6% QoQ
|
+$4.6M |
$15.5M
-1.7% YoY
|
$366.4M
+11.0% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$25.9M
-9.9% YoY-1.5% QoQ
|
+$90K |
$25.8M
+1.1% YoY
|
$453.8M
+8.0% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.9%
-213.3% YoY
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+36.8% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
3.5%
+14.9% YoY+1.4% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
4.1%
-0.3% YoY
|
3.8%
+2.3% YoY
|
34% |
| Efficiency Ratio |
106.9%
-3.1% YoY+6.6% QoQ
|
+18.1% |
88.8%
-6.9% YoY
|
78.8%
-0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
1.6%
-30.8% YoY-1.2% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.5%
+41.3% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
77.5%
+5.2% YoY-0.1% QoQ
|
+18.6% |
58.9%
-3.1% YoY
|
70.2%
-1.6% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$15,410
+2.5% YoY-1.8% QoQ
|
+$448 |
$14,963
-6.8% YoY
|
$17,498
+1.4% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
30.9%
-18.2% YoY-3.1% QoQ
|
+6.4% | 24.6% | 20.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 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)