Federal credit union · MERRIFIELD, Virginia · NCUA charter #16400
AGRICULTURE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $349.1M
- Total assets
- 23,958
- Members
- 12.1%
- Net-worth ratio
AGRICULTURE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $349.1M; members 23,958; net-worth ratio 12.12%; health rank #2,741 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,741 of 4,374 health · 2025Q4AGRICULTURE · health 80/100 · $349.1M · 2025Q4
Call Report peers
AGRICULTURE in the assets neighbourhood
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AGRICULTURE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AGRICULTURE sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for AGRICULTURE
- Largest favorable gap: Delinquency Rate at 0.59% vs peer 0.89% (-0.30 pp).
- Largest lag: Loan-to-Share Ratio at 68.39% vs peer 72.20% (-3.81 pp).
AGRICULTURE: in-state Call Report ranks
- Health composite ranks #52 of 95 among scored Virginia credit unions.
- By total assets, AGRICULTURE is #29 of 95 in Virginia.
- Virginia membership ordinal: #28 of 95.
- One place up in Virginia, Richmond Heritage (#51) ties at 80/100; one place down, CHARTWAY (#53) ties at 80/100.
AGRICULTURE: 2025Q4 → 2026Q1
AGRICULTURE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $349.1M (2025Q4) to $353.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.12% → 12.12%).
This credit union's 12.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
AGRICULTURE gives up 20 points in total. Member Growth costs the most, 13.7 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 9.7 pts
- Member Growth 1.3 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.12% | +0.01 pp |
| Delinquency Rate | 0.59% | -0.30 pp |
| Return on Assets | 0.15% | -0.47 pp |
| Member Growth | -4.27% | - |
| Loan-to-Share Ratio | 68.39% | -3.81 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
AGRICULTURE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $353.1M | - |
| 2025Q4 | $349.1M | 23,958 |
| 2024Q4 | $352.5M | 25,026 |
| 2023Q4 | $359.3M | 27,291 |
Credit Union Details
- Charter Number
- 16400
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $100M–$500M
- State
- Virginia
- City
- MERRIFIELD
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, AGRICULTURE runs 2 offices in 2 different cities across 2 states.
| Office | City |
|---|---|
| South Building (Main Office) | Washington, DC |
| Carver Center | Beltsville, MD |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
Other federally-insured credit unions in Virginia, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- AGRICULTURE ranks #2,741 of 4,374 nationally on financial health and #52 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TRANSPORTATION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TRANSPORTATION
Frequently Asked Questions
Is AGRICULTURE financially healthy?
AGRICULTURE has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,741 of 4,374 nationally on health and #52 of 95 in Virginia. Its net worth ratio is 12.12% and its delinquency rate 0.59%.
How does AGRICULTURE compare to other credit unions?
AGRICULTURE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.59% vs 0.89%). Its widest shortfall is loan-to-share ratio (68.39% vs 72.20%).
How can I join AGRICULTURE?
AGRICULTURE serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact AGRICULTURE directly for the current list of qualifying groups.
Is my money safe at AGRICULTURE?
AGRICULTURE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AGRICULTURE's net worth ratio of 12.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.