ARGENT
Charter #24313 · CHESTERFIELD, VA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.50% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 56th — a 39-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 | ARGENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $560.05M | 17th pct | 56th pct |
| Members | 35,108 | 30th pct | 49th pct |
| Net worth ratio | 9.50% | 28th pct | 21th pct |
| Return on average assets | 0.95% | 70th pct | 66th pct |
| Net interest margin | 3.72% | 70th pct | 54th pct |
| Cost of funds | 1.52% | 53th pct | 74th pct |
| Loan-to-share | 63.71% | 15th pct | 34th pct |
| Delinquency 60+ days | 0.67% | 58th pct | 49th pct |
| Net charge-off ratio | 0.40% | 49th pct | 23th pct |
| Loan growth YoY | 3.97% | 82th pct | 85th pct |
| Share growth YoY | 6.90% | 85th pct | 87th pct |
| Efficiency ratio | 73.48% | 28th pct | 36th pct |
structural peer set hash: d00d0a3ab12e79b7501a727e6a71162a… (reproducible)
Closest structural peers
This is the free public view
Claim ARGENT
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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.