SARGENT
Charter #9613 · WASHINGTON, DC · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 391 ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.32% sits at the 77th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 14.97% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.75% ranks in the 12th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 70th — a 57-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 | SARGENT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 267,979 | 5th pct | 34th pct |
| Members | 391 | 34th pct | 87th pct |
| Net worth ratio | 15.24% | 40th pct | 31th pct |
| Return on average assets | 1.30% | 80th pct | 62th pct |
| Net interest margin | 3.26% | 26th pct | 48th pct |
| Cost of funds | 0.32% | 41th pct | 77th pct |
| Loan-to-share | 24.24% | 13th pct | 70th pct |
| Delinquency 60+ days | 14.97% | 97th pct | 84th pct |
| Net charge-off ratio | -0.75% | 5th pct | 12th pct |
| Loan growth YoY | 117.46% | 99th pct | 95th pct |
| Share growth YoY | -4.39% | 20th pct | 38th pct |
| Efficiency ratio | 60.20% | 16th pct | 33th pct |
structural peer set hash: 26cf5dc0a0ee362a9124bf8ad98b9cdd… (reproducible)
Closest structural peers
This is the free public view
Claim SARGENT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.