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 1.56% below tier average
- - Efficiency ratio 28.93% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
- - Member decline: -9.2% YoY
- - Member Growth Rate: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,981
-9.2% YoY-5.9% QoQ
|
+365 |
2,615
-1.9% YoY
|
30,943
+6.6% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$29.9M
-5.6% YoY-4.5% QoQ
|
$-259K |
$30.1M
+2.1% YoY
|
$501.1M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$20.6M
-1.6% YoY-0.3% QoQ
|
+$4.8M |
$15.8M
-1.3% YoY
|
$341.6M
+10.9% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$26.5M
-5.8% YoY-5.1% QoQ
|
+$836K |
$25.7M
+1.4% YoY
|
$429.0M
+7.8% YoY
|
$477.3M
+9.7% YoY
|
61% |
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| ROA |
-0.9%
-39.6% YoY+1.7% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
0.9%
+34.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.1% in tier |
| NIM |
3.3%
+1.0% YoY+4.9% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.1%
+4.4% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
111.5%
+2.4% YoY+2.3% QoQ
|
+28.9% |
82.6%
-2.3% YoY
|
77.1%
-0.1% YoY
|
79.7%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
2.0%
-32.3% YoY+14.5% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.2%
-6.4% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
77.7%
+4.4% YoY+5.1% QoQ
|
+17.1% |
60.6%
-3.1% YoY
|
72.9%
+1.7% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$15,811
+5.8% YoY+3.1% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$17,497
+5.6% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
35.6%
-4.4% YoY-5.4% QoQ
|
+11.2% | 24.4% | 20.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.4% | 7.8% | 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)