Federal credit union · CHESTERFIELD, Virginia · NCUA charter #24313
ARGENT
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $538.0M
- Total assets
- 34,995
- Members
- 9.5%
- Net-worth ratio
ARGENT scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $538.0M; members 34,995; net-worth ratio 9.50%; health rank #1,328 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,328 of 4,374 health · 2025Q4ARGENT · health 89/100 · $538.0M · 2025Q4
- CAMELS 89/100
- HEALTH 9.5%
- NW 0.72%
- DELQ 0.88%
- ROA $538.0M
- ASSETS 34,995
- MEM #1,328/4,374
- RANK My Community
- PHOTO 24313
Call Report peers
ARGENT in the assets neighbourhood
ARGENT's $538.0M assets sit next to My Community ($536.4M) 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.
ARGENT 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
89 Top 31% higher than 69% 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
ARGENT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24313, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for ARGENT
- Return on Assets leads the peer set - 0.88% here, 0.51% peer average (+0.37 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.05 pp (65.85% vs 83.90%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ARGENT in Virginia
- Virginia health ordinal: #23 of 95.
- Assets rank #19 of 95 inside Virginia ($538.0M reported).
- Membership ranks #21 of 95 among Virginia CUs with a reported count (34,995 members).
In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ARGENT Call Report trajectory
ARGENT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $538.0M (2025Q4) to $560.1M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.43% → 9.50%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.50% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 28.8 pts
- Delinquency Rate 22.8 pts
- Return on Assets 15.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for ARGENT
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.50% | -1.68 pp |
| Delinquency Rate | 0.72% | -0.15 pp |
| Return on Assets | 0.88% | +0.37 pp |
| Member Growth | -0.38% | - |
| Loan-to-Share Ratio | 65.85% | -18.05 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $560.1M | - |
| 2025Q4 | $538.0M | 34,995 |
| 2024Q4 | $501.8M | 35,130 |
| 2023Q4 | $506.5M | 36,018 |
Credit Union Details
- Charter Number
- 24313
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Virginia
- City
- CHESTERFIELD
- Data Quarter
- 2025Q4
Branch Locations (9)
The NCUA branch filing lists 9 physical offices for ARGENT, spread across 6 cities.
| Office | City |
|---|---|
| Operations Center (Main Office) | Chester, VA |
| Chester | Chester, VA |
| Woodlake | Chesterfield, VA |
| Virginia Center | Glen Allen, VA |
| Stonehenge | Midlothian, VA |
| U.S. Route 1 | North Chesterfield, VA |
| Oxbridge | North Chesterfield, VA |
| Federal Building | Richmond, VA |
| Staples Mill | Richmond, VA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Virginia
A look at other Virginia credit unions, ranked by how closely their peer group and asset size match this one.
ARGENT nationwide neighbourhoods
ARGENT's nationwide photo peers by assets and by health score, excluding Virginia charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($538.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- ARGENT ranks #1,328 of 4,374 nationally on financial health and #23 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Arlington Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Arlington Community
- 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 ARGENT financially healthy?
A 9.50% net worth ratio and a 0.72% delinquency rate feed into ARGENT's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,328 of 4,374; by total assets it ranks #720 of 4,374 nationally (same basis as /rankings/largest); and #19 of 95 within Virginia. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ARGENT compare to other credit unions?
Five weighted metrics from NCUA filings produce ARGENT's 89/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 ARGENT?
ARGENT operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ARGENT directly for the exact boundaries and application steps.
Is my money safe at ARGENT?
Federal credit unions like ARGENT 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. ARGENT's net worth ratio of 9.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARGENT offer compared to banks?
Credit unions like ARGENT 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 ARGENT 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.