| Metric | Artesia Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.1% | +6.5 pts |
| Share growth (YoY) | +10.3% | +3.5% | +6.8 pts |
| Loan growth (YoY) | -0.7% | +2.9% | -3.5 pts |
| ROA | 1.33% | 0.74% | +0.6 pts |
| ROE | 8.2% | 6.5% | +1.7 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.7M | $144.0M | $115.1M | $27.8M | $1.1M | 1.33% | 3.35% | 1.08% | 9,911 |
| Q1 2026 | $168.4M | $140.2M | $115.2M | $27.2M | $522K | 1.24% | 3.43% | 0.82% | 9,844 |
| Q4 2025 | $163.5M | $136.6M | $115.0M | $26.5M | $2.6M | 1.56% | 3.43% | 0.39% | 9,778 |
| Q3 2025 | $155.7M | $129.3M | $114.9M | $25.9M | $2.3M | 2.01% | 3.56% | 0.58% | 9,762 |
| Q2 2025 | $156.2M | $130.6M | $115.9M | $25.0M | $1.5M | 1.86% | 3.47% | 0.51% | 9,734 |
| Q1 2025 | $162.1M | $137.2M | $115.3M | $24.2M | $591K | 1.46% | 3.22% | 0.34% | 9,669 |
| Q4 2024 | $156.9M | $132.7M | $114.4M | $23.6M | $2.4M | 1.55% | 3.06% | 0.85% | 9,566 |
| Q3 2024 | $150.2M | $126.6M | $114.1M | $22.9M | $1.8M | 1.59% | 3.12% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 0.74% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 6.5% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.12% |
| 9,504 |
| Q2 2024 | $148.2M | $125.3M | $112.4M | $22.2M | $1.1M | 1.48% | 3.06% | 0.62% | 9,418 |
Loan mix (Q2 2026): real estate $36.5M · commercial $0 · consumer $68.5M · securities $14.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 77.5% | 12th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Artesia Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025). Biggest market: Eddy, NM, ranked 7th with 2.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Eddy, NM | 1 | $72.0M* | 2.32% | 7th |
| Chaves, NM | 1 | $72.0M* | 4.53% | 8th |
New Mexico: 63rd with 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 2 · 2026 2