ARGENT

Charter #24313 | VA

500M-750M (169 CUs) Community (281 CUs)
6 500M-750M in VA

ARGENT has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 32.6% in tier
  • + Wallet Share Momentum: Top 35.4% in tier
  • + 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
 40th in tier
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
 Bottom 18.9% in tier
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
 Top 17.2% in tier
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
 Top 23.7% in tier
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
 72nd in tier
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
 30th in tier
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
 Top 22.8% in tier
Indirect Auto % 40.4%
-10.9% YoY-3.1% QoQ
 +26.4% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 8.5% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#900 of 1006 • Top 32.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 0.78%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#977 of 1006 • Top 35.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 0.78%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#58 of 525 • Bottom 3.5% in tier

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

Why This Signature
Asset Growth (YoY): 6.09%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 40.39%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.29%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (5 metrics)

15
Efficiency Ratio
profitability
Value: 66.22%
Peer Avg: 78.10%
#15 of 169 Top 8.3% in 500M-750M tier
29
Return on Assets (ROA)
profitability
Value: 1.11%
Peer Avg: 0.66%
#29 of 169 Top 16.6% in 500M-750M tier
29
First Mortgage Concentration (%)
balance_sheet
Value: 17.96%
Peer Avg: 33.53%
#29 of 169 Top 16.6% in 500M-750M tier
37
Members Per Employee (MPE)
engagement
Value: 391.833
Peer Avg: 338.010
#37 of 169 Top 21.3% in 500M-750M tier
40
Net Interest Margin (NIM)
profitability
Value: 3.77%
Peer Avg: 3.43%
#40 of 169 Top 23.1% in 500M-750M tier

Top Weaknesses (9 metrics)

154
Indirect Auto Concentration (%)
balance_sheet
Value: 40.39%
Peer Avg: 16.19%
#154 of 169 Bottom 9.5% in 500M-750M tier
154
Total Loans
balance_sheet
Value: $309.74M
Peer Avg: $435.95M
#154 of 169 Bottom 9.5% in 500M-750M tier
150
Loan-to-Share Ratio
balance_sheet
Value: 65.51%
Peer Avg: 81.02%
#150 of 169 Bottom 11.8% in 500M-750M tier
149
Total Assets
balance_sheet
Value: $525.22M
Peer Avg: $622.38M
#149 of 169 Bottom 12.4% in 500M-750M tier
147
Loan Growth Rate
growth
Value: -4.22%
Peer Avg: 4.04%
#147 of 169 Bottom 13.6% in 500M-750M tier
137
Total Deposits
balance_sheet
Value: $472.79M
Peer Avg: $538.02M
#137 of 169 Bottom 19.5% in 500M-750M tier
132
Loan-to-Member Ratio (LMR)
engagement
Value: $8,783
Peer Avg: $11,805
#132 of 169 Bottom 22.5% in 500M-750M tier
130
Share Certificate Concentration (%)
balance_sheet
Value: 32.20%
Peer Avg: 26.87%
#130 of 169 Bottom 23.7% in 500M-750M tier
129
Net Charge-Off Rate
risk
Value: 0.71%
Peer Avg: 0.51%
#129 of 169 Bottom 24.3% in 500M-750M tier