# ARTESIA
Artesia, NM · NCUA charter 62783 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/artesia-62783

Who the members are: state charter, organized 1955, low-income designated. 9,844 members of 10,000 potential (98.4% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 38.

**Verdict on the desk:** this could be *fortress*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $168.4M |
| Members | 9,844 (1.8% YoY) |
| Full-time staff | 20 |
| Net worth | $27.2M |
| Net worth ratio | 16.1% (p88 of band) |
| ROA (annualized) | 1.24% (p81 of band) |
| Total delinquency | 0.82% (p64 of band) |
| Net charge-offs (annualized) | 0.45% (p62 of band) |
| Loans / shares | 82% (p76 of band) |
| Cash / assets | 25.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.43% (p35 of band) |
| Operating expense / assets | 4.01% (p62 of band) |
| Vehicles % of loans | 56% (p81 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 27% |
| Third-party paper % of net worth | 64% (p60 of band) |
| Vehicle delinquency | 1.27% (p80 of band) |
| Vehicle NCO | 0.43% (p45 of band) |
| Repossessed % of vehicle book | 0.14% (p83 of band) |
| Real estate % of loans | 31% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 39% |
| Average share balance | $10,479 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 38% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $31,027 |
| Loans granted, annualized | $41.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | auto monoline |  |
| 2017-12 | 2 | 3rd-party paper>100% NW |  |
| 2018-03 | 3 | members leaving |  |
| 2018-06 | 2 |  | members leaving |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | delinquency rising |  |
| 2019-03 | 5 | net worth falling, delinquency 2x band |  |
| 2019-06 | 4 |  | net worth falling |
| 2019-09 | 3 |  | 3rd-party paper>100% NW |
| 2019-12 | 2 | 3rd-party paper>100% NW | delinquency rising, delinquency 2x band |
| 2020-03 | 3 | net worth falling |  |
| 2020-06 | 4 | delinquency 2x band |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 2 |  | 3rd-party paper>100% NW |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | margin squeeze |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | net worth falling | margin squeeze |
| 2022-06 | 3 |  |  |
| 2022-09 | 0 |  | auto monoline, delinquency 2x band, net worth falling |
| 2022-12 | 1 | auto monoline |  |
| 2023-03 | 2 | charge-offs p90 |  |
| 2023-06 | 1 |  | charge-offs p90 |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | 3rd-party paper>100% NW |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | delinquency rising | 3rd-party paper>100% NW |
| 2024-12 | 1 |  | delinquency rising |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | auto monoline |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [NM Credit Union Foundation announces new board members - Roswell Daily Record](https://news.google.com/rss/articles/CBMi1gFBVV95cUxOd3BCVnlhdzFiaE43U2ltLTdGcDk1Zlg4WWZNbU42TktWLWpiSDdRYXMtMVR5ZzRldTE1bUozXzc5ZG1rX2VnOU4waDJyMmc2YUJYRHJVOEJSZjEzZ1o4TU5ZaXduY18xb1RpVTA5SFlxYnRtcloxVDZIUFBQdFlSb2NRZDZGQXBwRnB1NHhJNjJBMS1DbG9BQ0JZRFBtenpEeFNLc2lqeTd0ZWVMUjZ0a2YtUEdsd0toX1dlaFk2ak9aYWhNXzFtRi13bExSUEZ0QUJ1TEJR?oc=5) · Roswell Daily Record
- 2026-08-30 [Artesia High School (NM) Softball - MaxPreps](https://news.google.com/rss/articles/CBMib0FVX3lxTE9vajJpN2NsRzhuUGRVUXZpd3RzREM4aDcwdFJqVUhmdmNFRlh2dU9haVNCbHZnWDdpYlEzQlFHTGRRbUszb2lVb0tWYWVMS1VpR0ozNHUtVTNiaVVDOHNOa3BZaHliVVNYczhrSWt3SQ?oc=5) · MaxPreps
- 2026-05-18 [Artesia’s title run ends, but not without a fight - Artesia Daily Press](https://news.google.com/rss/articles/CBMifEFVX3lxTE5iT3pHano4bUtEbHVBQnNRVkdYcG81LU0xSHRyYW1NenI1czU4dUVaak1LR1Nsb0VldmtYYzU3LXNtWXFKR0ZxS1VVc2RaZVoyelBFa3dnTDIzcFNZR29TVFpvb0IwYUJhNFh1U2Nsb3ZuZ3Brc3Q2RWNuTEI?oc=5) · Artesia Daily Press
- 2025-05-20 [New Mexico Environment Department to receive $2 million grant for property assessments - nmpoliticalreport.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxPZG9uNFkxWWF4N2tfckxVd0ItTnd4MFpkb0l1YUtQQTZSQ0IzY1RKdE9FNWVpVlUwa2dvWVVzQWNLc0FlUVp5UjJGbVUtVElEN0Y3WWsyYWk5ang3X083cWdxLWpTZHliMEdELXVlUUlkYm5QOXlNTW43bHBLSnZpTTdrWXA0bXNMWWNPeExONXhkaXdDMmFoRlVZeFN5S3RkWkZlbWpjWkJ4ZkpHQ0N4WlprZVBHMUo1Rnl5WFRMdmFFTkVqdlE?oc=5) · nmpoliticalreport.com
- 2017-11-16 [Artesia boy killed in crash, 2 others injured - KRQE](https://news.google.com/rss/articles/CBMie0FVX3lxTE9WeTEweGhfRGVYNE9PSTN6VGpsLVpoaTAxMlQzMzZsb2xBY1MzVjlZWUFOdXl0ZnlNeEJiZnNFUjlncE9GUVFuUEtLc3hacVA1blJWNk5iS2VwX3hMZDVvbTRiVW5vSWN6ZG5BUHU3bXFhT0JoVkxBT1pYVdIBgAFBVV95cUxOVThLekZra3JTekhKV0hNQW9YZXZRU3gwbTZobHd1MTI5LUwxYmlNc0lIRHhMRG9JRFRWeG1QVDdMbGVVS09TSlpPQlF1QjhZcHFHMUp2QmlkczBhOUdRVWV6NFBRVW50bk1XeUR6UEZwbVhRYTd4dUxxUkx2MlZlMw?oc=5) · KRQE
- 2022-02-23 [Artesia High School (NM) Football - MaxPreps](https://news.google.com/rss/articles/CBMib0FVX3lxTE9HOEFBSm5idXFfTEIybTFuWFhzUll6OWtHRTRQbjV3SnJkT3dNYVZNcTBWdV9KY3Q2dnIxLV81dnRBU2h3OUNDWGVoNnVUd1hTM0hPSTFSQklkVzJHdElCLW03bnhXR2FxeHhIaUIwTQ?oc=5) · MaxPreps
- 2022-02-23 [Artesia High School (NM) Basketball - MaxPreps](https://news.google.com/rss/articles/CBMickFVX3lxTFBwbEU2aVZnaTEwWGNwWDgxbjZ5dmxKczBwaGF0RnNQVk9hYllSV2p3UERqVkJUUXZXMU5PZEo4TnREX0Fha1RyVlVlMk5tNHlyU0xUb1o4QU5DMHI5YjlhVFJtazR3UUJkYjdoOVMxZ2RjUQ?oc=5) · MaxPreps
- 2022-02-25 [Artesia High School (NM) Baseball - MaxPreps](https://news.google.com/rss/articles/CBMib0FVX3lxTE8zeTNBMHZfb2hPcjF2ak5ZTEFUX19tdXV5cDE3YTFNVzB3Z0VCSGQzVDBuRVhhbjVIM0VqSjFBVVc0QjFYSmp5NTFiUG03WEFJQkN6M2VtNWc4VFhVUmI2ejRZSHdCLXJXVWdGUzZlYw?oc=5) · MaxPreps

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62783 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "62783", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62783
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide