Artesian
Leesburg, GA · Charter 6859 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$29.1MAssets
$20.1MLoans
$25.9MShares
$3.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 35% of credit unions under $1B in assets (rank 1098 of 1683).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets (rank 1617 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-0.94%
Rank 1,612 of 1,683
Net Interest Margin
3.53%
Rank 1,098 of 1,683
Efficiency Ratio
106.85%
Rank 1,598 of 1,682
Equity / Assets
10.32%
Rank 1,282 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.94% | 0.35% | 0.74% | 1.18% | Beats 4% | 1,612 / 1,683 | | |
| Return on Equity | -9.14% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,617 / 1,681 | | |
| Net Interest Margin | 3.53% | 3.31% | 3.82% | 4.32% | Beats 35% | 1,098 / 1,683 | | |
| Efficiency Ratio | 106.85% | 68.91% | 78.20% | 86.93% | Beats 5% | 1,598 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.55% | 0.26% | 0.65% | 1.29% | Beats 20% | 1,347 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.32% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,282 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.32% | 10.44% | 12.89% | 16.53% | Beats 24% | 1,282 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.53% | 52.61% | 69.38% | 83.50% | 65th pctl | 591 / 1,683 | | |
| Loans / Assets | 69.10% | 44.71% | 59.18% | 70.72% | 72nd pctl | 478 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |