AGRICULTURE
Charter #16400 · MERRIFIELD, VA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 23,827 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.89% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 57th percentile but its structural peers at the 34th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AGRICULTURE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $353.09M | 82th pct | 69th pct |
| Members | 23,827 | 87th pct | 87th pct |
| Net worth ratio | 12.12% | 58th pct | 70th pct |
| Return on average assets | 0.63% | 44th pct | 62th pct |
| Net interest margin | 3.28% | 27th pct | 39th pct |
| Cost of funds | 0.89% | 33th pct | 21th pct |
| Loan-to-share | 65.98% | 38th pct | 43th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 61th pct |
| Net charge-off ratio | 0.45% | 59th pct | 74th pct |
| Loan growth YoY | -2.87% | 18th pct | 23th pct |
| Share growth YoY | 0.75% | 15th pct | 20th pct |
| Efficiency ratio | 80.52% | 57th pct | 34th pct |
structural peer set hash: cd057bc4c1cb8c3c08decce1b426f171… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.