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
- CAMELS 80/100
- HEALTH 12.1%
- NW 0.59%
- DELQ 0.15%
- ROA $349.1M
- ASSETS 23,958
- MEM #2,741/4,374
- RANK SUNBELT
- PHOTO 16400
Call Report peers
AGRICULTURE in the assets neighbourhood
AGRICULTURE's $349.1M assets sit next to SUNBELT ($348.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AGRICULTURE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
AGRICULTURE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #16400 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
AGRICULTURE: 2025Q4 → 2026Q1
AGRICULTURE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $349.1M (2025Q4) to $353.1M (2026Q1).
- Net-worth ratio shifted +0.00 pp (12.12% → 12.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for AGRICULTURE - kept outside Virginia; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($349.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is AGRICULTURE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, AGRICULTURE carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,741 of 4,374; by total assets it ranks #946 of 4,374 nationally (same basis as /rankings/largest); and #29 of 95 within Virginia. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.12% net worth ratio and a 0.59% delinquency rate.
How does AGRICULTURE compare to other credit unions?
On PlainCU's health composite, AGRICULTURE lands at 80/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like AGRICULTURE are 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."
What rates does AGRICULTURE offer compared to banks?
Credit unions like AGRICULTURE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact AGRICULTURE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.