BlastPoint's Credit Union Scorecard

ARGENT

Charter #24313 · VA

Community 500M-750M
167 CUs in 500M-750M nationally 7 in VA
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ARGENT has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 29.6% in tier
  • + ROA 0.25% above tier average
  • + Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 2.2% in tier
  • - Indirect Auto Dependency: Bottom 21.5% in tier
  • - Margin Compression: Bottom 32.9% in tier
  • - Indirect Auto Concentration (%): Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 35,108
-0.4% YoY+0.3% QoQ
 -3.0K 38,079
-4.8% YoY
 224,534
+5.9% YoY
 33,913
+5.7% YoY
 38%
Assets $560.1M
+7.7% YoY+4.1% QoQ
 $-59.6M $619.7M
-0.2% YoY
 $3.0B
+7.5% YoY
 $578.3M
+9.0% YoY
 28%
Loans $322.0M
+2.8% YoY+1.0% QoQ
 $-97.3M $419.3M
-1.4% YoY
 $2.1B
+5.8% YoY
 $402.4M
+8.7% YoY
 Bottom 15.0% in tier
Deposits $505.4M
+7.2% YoY+4.3% QoQ
 $-34.0M $539.5M
-0.1% YoY
 $2.6B
+7.7% YoY
 $494.3M
+9.1% YoY
 35%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
-40.3% YoY-9.6% QoQ
 +0.2% 0.7%
+36.0% YoY
 0.3%
-55.0% YoY
 0.4%
-39.2% YoY
 70%
NIM 3.6%
-2.6% YoY-2.2% QoQ
 +0.2% 3.5%
+4.5% YoY
 4.0%
+3.3% YoY
 3.8%
+4.1% YoY
 67%
Efficiency Ratio 73.5%
+31.7% YoY+7.6% QoQ
 -4.9% 78.4%
-3.7% YoY
 81.9%
+0.2% YoY
 84.6%
+2.8% YoY
 25%
Delinquency Rate 0.7%
-50.2% YoY-8.0% QoQ
 +0.0 0.7%
-0.9% YoY
 1.4%
-2.1% YoY
 1.2%
+3.4% YoY
 55%
Loan To Share 63.7%
-4.1% YoY-3.2% QoQ
 -14.0% 77.7%
-1.2% YoY
 62.9%
-4.5% YoY
 65.6%
-1.4% YoY
 Bottom 15.0% in tier
AMR $23,569
+5.8% YoY+2.7% QoQ
 $-3K $26,927
+3.1% YoY
 $19,100
+3.1% YoY
 $19,920
+1.6% YoY
 37%
CD Concentration 33.6%
+8.5% YoY+2.3% QoQ
 +9.4% 24.3% 18.0% 19.8% 81%
Indirect Auto % 40.3%
-6.1% YoY+2.3% QoQ
 +26.5% 13.8% 9.4% 7.7% Bottom 8.2% in tier

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#395 of 491 • Top 29.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.84%
(Tier: 3.74%, National: 6.36%)
better than tier avg
637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Cost Spiral

risk
#3 of 83 • Bottom 2.2% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 17.67% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 42.99%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 284 Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#29 of 504 • Bottom 21.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.68%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 40.30%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): -0.42%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline
#25 of 133 • Bottom 32.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.93%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.56%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.63% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 284 Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

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)

Comparing against 167 peers in tier

Top Strengths (3 metrics)

26
First Mortgage Concentration (%)
balance_sheet
Value: 18.02%
Peer Median: 32.87%
#26 of 167 Top 15.0% in 500M-750M tier
32
Members Per Employee (MPE)
engagement
Value: 390.089
Peer Median: 318.730
#32 of 167 Top 18.6% in 500M-750M tier
42
Efficiency Ratio
profitability
Value: 73.48%
Peer Median: 78.61%
#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (5 metrics)

152
Indirect Auto Concentration (%)
balance_sheet
Value: 40.30%
Peer Median: 10.91%
#152 of 167 Bottom 9.6% in 500M-750M tier
142
Total Loans
balance_sheet
Value: $322.03M
Peer Median: $427.27M
#142 of 167 Bottom 15.6% in 500M-750M tier
142
Loan-to-Share Ratio
balance_sheet
Value: 63.71%
Peer Median: 79.97%
#142 of 167 Bottom 15.6% in 500M-750M tier
133
Share Certificate Concentration (%)
balance_sheet
Value: 33.65%
Peer Median: 26.29%
#133 of 167 Bottom 21.0% in 500M-750M tier
127
Loan-to-Member Ratio (LMR)
engagement
Value: $9,173
Peer Median: $11,231
#127 of 167 Bottom 24.6% in 500M-750M tier
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