PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Artesian

Leesburg, GA · Charter 6859

NCUA · 2 branches

Q2 2026

$29.1MAssets
$20.1MLoans
$25.9MShares
$3.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.95%, down 11 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 1.55% of loans (-69 bps YoY).
  • Capital: net worth / assets of 10.32%, up 9 bps from a year ago.
  • Funding: loans stand at 77.54% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.95%-11 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+47 bps YoY

Efficiency Ratio (YTD, annualized)

106.90%-339 bps YoY

Net Worth / Assets

10.32%+9 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.83%-0.93%-0.96%-0.05%-0.95%-11 bps
Return on Equity-8.12%-9.10%-9.11%-0.45%-9.16%-103 bps
Net Interest Margin3.06%3.15%3.34%3.45%3.53%+47 bps
Efficiency Ratio110.30%108.96%111.49%100.29%106.90%-339 bps
Growth
Asset Growth (YoY)-5.37%-4.17%-5.62%-8.90%-9.61%-424 bps
Loan Growth (YoY)-6.77%-5.65%-1.61%-1.50%-5.22%+155 bps
Share Growth (YoY)-4.62%-3.49%-5.76%-9.07%-9.88%-525 bps
Asset Quality
Delinquent Loans / Loans2.24%1.72%1.97%1.57%1.55%-69 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.23%10.23%10.49%10.62%10.32%+9 bps
Net Worth / Assets10.23%10.23%10.49%10.62%10.32%+9 bps
Liquidity & Funding
Loans / Shares73.72%73.90%77.70%77.63%77.54%+381 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps