Argent
Chesterfield, VA · Charter 24313 · Peer group: credit unions under $1B in assets in the Richmond, VA area (n=16)
NCUA · 5 branches
Q2 2026
$571.8MAssets
$335.2MLoans
$517.4MShares
$52.4MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 81% of credit unions under $1B in assets in the Richmond, VA area (rank 3 of 16).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets in the Richmond, VA area (rank 14 of 16).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.99%
Rank 7 of 16
Net Interest Margin
3.59%
Rank 12 of 16
Efficiency Ratio
72.78%
Rank 5 of 16
Equity / Assets
9.16%
Rank 14 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.51% | 0.86% | 1.14% | Beats 56% | 7 / 16 | |
| Return on Equity | 10.76% | 2.74% | 6.89% | 10.47% | Beats 81% | 3 / 16 | |
| Net Interest Margin | 3.59% | 3.59% | 3.78% | 5.26% | Beats 25% | 12 / 16 | |
| Efficiency Ratio | 72.78% | 72.78% | 78.57% | 80.89% | Beats 75% | 5 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.60% | 1.42% | 1.93% | Beats 62% | 7 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.16% | 10.18% | 10.87% | 18.48% | Beats 13% | 14 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.16% | 10.18% | 10.87% | 18.48% | Beats 13% | 14 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 64.78% | 55.40% | 64.78% | 71.88% | 50th pctl | 8 / 16 | |
| Loans / Assets | 58.62% | 48.81% | 51.73% | 64.39% | 63rd pctl | 6 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |