BlastPoint's Credit Union Scorecard
ARGENT
Charter #24313 · VA
ARGENT has 3 strengths but faces 4 concerns
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.45% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.5% in tier
- - Delinquency rate 0.18% above tier average
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,265
+0.3% YoY-0.0% QoQ
|
-4.5K |
39,752
-2.7% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
40% |
| Assets |
$525.2M
+6.1% YoY+1.1% QoQ
|
$-97.2M |
$622.4M
+0.3% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.8% in tier |
| Loans |
$309.7M
-4.2% YoY-0.9% QoQ
|
$-126.2M |
$435.9M
-0.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.9% in tier |
| Deposits |
$472.8M
+4.9% YoY+0.6% QoQ
|
$-65.2M |
$538.0M
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
1.1%
+13.5% YoY-8.3% QoQ
|
+0.5% |
0.7%
+33.9% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
3.8%
+6.4% YoY+0.5% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
66.2%
-6.1% YoY+4.2% QoQ
|
-11.9% |
78.1%
-3.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
1.0%
-21.7% YoY-2.3% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
65.5%
-8.7% YoY-1.5% QoQ
|
-15.5% |
81.0%
-1.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$22,190
+0.8% YoY-0.0% QoQ
|
$-4K |
$26,482
+2.6% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
32.2%
-0.5% YoY+0.9% QoQ
|
+7.8% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % |
40.4%
-10.9% YoY-3.1% QoQ
|
+26.4% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Top 8.6% in tier |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)