BlastPoint's Credit Union Scorecard
ARGENT
Charter #24313 · VA
ARGENT has 4 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.1% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.09% above tier average
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 6.4% in tier
- - Indirect Auto Dependency: Bottom 10.0% in tier
- - Margin Compression: Bottom 35.1% in tier
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
- Shares and deposits +10.1% year over year ($517M in shares and deposits).
- Membership: 35,330 members, +0.2% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.00%.
- Efficiency ratio 72.77% vs a 76.56% peer average.
- Loan-to-share ratio 64.78% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,330
+0.2% YoY+0.6% QoQ
|
-2.6K |
37,897
-5.0% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$571.8M
+10.1% YoY+2.1% QoQ
|
$-50.6M |
$622.4M
+0.6% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$335.2M
+7.2% YoY+4.1% QoQ
|
$-93.3M |
$428.5M
-0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$517.4M
+10.1% YoY+2.4% QoQ
|
$-22.4M |
$539.8M
+0.9% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
1.0%
-17.7% YoY+6.8% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
3.6%
-3.4% YoY-0.6% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
72.8%
+14.5% YoY-1.0% QoQ
|
-3.8% |
76.6%
-3.6% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.8%
-25.0% YoY+12.8% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
64.8%
-2.6% YoY+1.7% QoQ
|
-14.5% |
79.3%
-1.4% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$24,132
+8.7% YoY+2.4% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
37.0%
+15.9% YoY+9.9% QoQ
|
+12.4% | 24.6% | 18.0% | 20.0% | Top 11.3% in tier |
| Indirect Auto % |
40.6%
-2.7% YoY+0.6% QoQ
|
+26.9% | 13.6% | 9.3% | 7.7% | Bottom 8.0% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)