BlastPoint's Credit Union Scorecard
ARGENT
Charter #24313 · VA
ARGENT has 2 strengths but faces 1 concern
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
- + ROA 0.37% above tier average
- + Net Interest Margin 0.29% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
34,995
-0.4% YoY-0.8% QoQ
|
-3.6K |
38,575
-4.8% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$538.0M
+7.2% YoY+2.4% QoQ
|
$-83.7M |
$621.7M
+0.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$319.0M
-0.5% YoY+3.0% QoQ
|
$-110.8M |
$429.8M
-1.8% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.7% in tier |
| Deposits |
$484.4M
+6.1% YoY+2.5% QoQ
|
$-54.3M |
$538.7M
+0.6% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
24% |
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| ROA |
1.0%
+9.2% YoY-7.1% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.7%
+6.9% YoY-1.0% QoQ
|
+0.3% |
3.4%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
68.3%
-3.9% YoY+3.1% QoQ
|
-9.2% |
77.5%
-4.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.7%
-45.4% YoY-26.0% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
65.8%
-6.2% YoY+0.5% QoQ
|
-14.0% |
79.8%
-2.3% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.9% in tier |
| AMR |
$22,957
+3.7% YoY+3.5% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
32.9%
+4.9% YoY+2.2% QoQ
|
+8.5% | 24.4% | 18.3% | 19.8% | 78% |
| Indirect Auto % |
39.4%
-10.1% YoY-2.5% QoQ
|
+25.6% | 13.8% | 9.6% | 7.8% | Top 8.8% 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)