ARTESIAN
Charter #6859 · Leesburg, GA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.05% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 3.43% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.57% sits at the 75th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.91% sits at the 75th percentile of structural peers — worth a closer look.
- Efficiency ratio of 100.29% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ARTESIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $29.50M | 60th pct | 67th pct |
| Members | 2,975 | 75th pct | 67th pct |
| Net worth ratio | 10.62% | 23th pct | 33th pct |
| Return on average assets | -0.05% | 17th pct | 20th pct |
| Net interest margin | 3.43% | 31th pct | 10th pct |
| Cost of funds | 1.73% | 84th pct | 74th pct |
| Loan-to-share | 77.63% | 81th pct | 57th pct |
| Delinquency 60+ days | 1.57% | 79th pct | 75th pct |
| Net charge-off ratio | 0.91% | 84th pct | 75th pct |
| Loan growth YoY | -1.27% | 59th pct | 51th pct |
| Share growth YoY | -6.01% | 2th pct | 5th pct |
| Efficiency ratio | 100.29% | 89th pct | 89th pct |
structural peer set hash: d627bc59a89c3ab3101d03a409d42fe1… (reproducible)
Closest structural peers
This is the free public view
Claim ARTESIAN
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.