Federal credit union · Leesburg, Georgia · NCUA charter #6859
ARTESIAN
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $29.9M
- Total assets
- 2,981
- Members
- 10.6%
- Net-worth ratio
ARTESIAN scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $29.9M; members 2,981; net-worth ratio 10.62%; health rank #4,113 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,113 of 4,374 health · 2025Q4ARTESIAN · health 58/100 · $29.9M · 2025Q4
Call Report peers
ARTESIAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARTESIAN vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARTESIAN sits in 55-59 with 115 others.
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where ARTESIAN diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 77.70% vs peer 59.80% (+17.90 pp).
- Largest lag: Net Worth Ratio at 10.62% vs peer 14.86% (-4.24 pp).
ARTESIAN in Georgia
- Georgia health ordinal: #72 of 74.
- By total assets, ARTESIAN is #42 of 74 in Georgia.
- Membership ranks #40 of 74 among Georgia CUs with a reported count (2,981 members).
- One place up in Georgia, B.O.N.D. Community (#71) scores 63/100, 5 points higher; one place down, BEKA (#73) scores 52/100, 6 points lower.
ARTESIAN: 2025Q4 → 2026Q1
ARTESIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $29.9M (2025Q4) to $29.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.49% → 10.62%).
At 10.62%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 58/100 score is built
ARTESIAN gives up 42 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.7 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.3 pts
ARTESIAN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.62% | -4.24 pp |
| Delinquency Rate | 1.97% | +0.83 pp |
| Return on Assets | -1.67% | -2.37 pp |
| Member Growth | -9.23% | - |
| Loan-to-Share Ratio | 77.70% | +17.90 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - ARTESIAN
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.5M | - |
| 2025Q4 | $29.9M | 2,981 |
| 2024Q4 | $31.7M | 3,284 |
| 2023Q4 | $32.2M | 3,240 |
Credit Union Details
- Charter Number
- 6859
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Georgia
- City
- Leesburg
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, ARTESIAN runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Oakland Main Office (Main Office) | Leesburg, GA |
| Flint Branch | Albany, GA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Georgia
More federally-insured credit unions based in Georgia, ordered by peer group match and asset size.
ARTESIAN nationwide neighbourhoods
Using this data
- ARTESIAN ranks #4,113 of 4,374 nationally on financial health and #72 of 74 in GA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southern Pine is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southern Pine
Frequently Asked Questions
Is ARTESIAN financially healthy?
ARTESIAN has a financial health score of 58/100 (Fair) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,113 of 4,374 nationally on health and #72 of 74 in Georgia. Its net worth ratio is 10.62% and its delinquency rate 1.97%.
How does ARTESIAN compare to other credit unions?
ARTESIAN scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (77.70% vs 59.80%). Its widest shortfall is net worth ratio (10.62% vs 14.86%).
How can I join ARTESIAN?
ARTESIAN operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ARTESIAN directly for the exact boundaries and application steps.
Is my money safe at ARTESIAN?
ARTESIAN is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ARTESIAN's net worth ratio of 10.62% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.