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
- NCUSIF 58/100
- CAMELS 10.6%
- HEALTH 1.97%
- NW -1.67%
- DELQ $29.9M
- ROA 2,981
- ASSETS #4,113/4,374
- MEM Blue Flame
- RANK 6859
Call Report peers
ARTESIAN in the assets neighbourhood
ARTESIAN's $29.9M assets sit next to Blue Flame ($29.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
ARTESIAN - Share Insurance Coverage
Charter #6859's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for GA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ARTESIAN: 2025Q4 → 2026Q1
ARTESIAN: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $29.9M (2025Q4) to $29.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.49% → 10.62%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
ARTESIAN's nationwide photo peers by assets and by health score, excluding Georgia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($29.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Georgia credit unions compare overall before assuming this one is typical. Georgia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ARTESIAN financially healthy?
A 10.62% net worth ratio and a 1.97% delinquency rate feed into ARTESIAN's financial health score of 58/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,113 of 4,374; by total assets it ranks #2,855 of 4,374 nationally (same basis as /rankings/largest); and #42 of 74 within Georgia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ARTESIAN compare to other credit unions?
On PlainCU's health composite, ARTESIAN lands at 58/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ARTESIAN are 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."
What rates does ARTESIAN offer compared to banks?
Credit unions like ARTESIAN are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ARTESIAN directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.