Credit Union Safety Analysis
Is Artesia Credit Union Safe? Artesia, New Mexico
Based on its Q2 2026 NCUA 5300 call report, Artesia Credit Union has a net worth ratio of 16.12%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.08%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Artesia Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Artesia Credit Union's net worth ratio is 16.12%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.12%
- Delinquency ratio (60+ days) (Q2 2026): 1.08%
- Return on assets (Q2 2026): 1.44%
- Loan-to-share ratio (Q2 2026): 79.94%
Artesia Credit Union (NCUA charter 62783, established 1955) reported $172.7M in assets and 9,911 members for Q2 2026 from Artesia, New Mexico. It ranks 14 of 37 credit unions in New Mexico by total assets. Total assets grew 10.6% from $156.2M on June 30, 2025. It has 177 more members than on June 30, 2025 (+1.8%). Its net worth ratio was up 0.10 percentage points from 16.02% on June 30, 2025. Used vehicle loans are its largest loan category, $39.4M of $115.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.08% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 16.12% for Q1 2026; 16.02% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.82% for Q1 2026; 0.51% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 1.24% for Q1 2026; 2.21% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 82.17% for Q1 2026; 88.77% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $39.4M
- 1- to 4-family residential and other consumer real estate loans: $36.5M
- New vehicle loans: $24.6M
- Other secured non-real estate loans and lines of credit: $10.1M
- Other unsecured loans and lines of credit: $4.1M
- Unsecured credit card loans: $433K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $172.7M | 16.12% | 1.08% | 1.44% | 79.94% |
| March 31, 2026 | $168.4M | 16.12% | 0.82% | 1.24% | 82.17% |
| December 31, 2025 | $163.5M | 16.20% | 0.39% | 0.51% | 84.21% |
| September 30, 2025 | $155.7M | 16.65% | 0.58% | 2.30% | 88.86% |
| June 30, 2025 | $156.2M | 16.02% | 0.51% | 2.21% | 88.77% |
| March 31, 2025 | $162.1M | 14.91% | 0.34% | 1.46% | 84.09% |
Add this badge to your website
Free to use. It shows Artesia Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 62783) · FFIEC NIC profile (RSSD 817392)
Frequently asked questions
Is Artesia Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Artesia Credit Union's net worth ratio is 16.12%, above the 7% NCUA threshold for well capitalized.
Is Artesia Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Artesia Credit Union is a federally insured credit union (NCUA charter 62783): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Artesia Credit Union's key safety ratios?
For Q2 2026, Artesia Credit Union reports net worth 16.12%, delinquency 1.08%, ROA 1.44%, loan-to-share 79.94%.
What happens to my money if Artesia Credit Union fails?
For Q2 2026, Artesia Credit Union held $144.0M in shares and deposits for 9,911 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.