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
Call Report peers
ARGENT in the assets neighbourhood
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ARGENT vs every NCUA-scored credit union
ARGENT sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% 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 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%).
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).
- One place up in Virginia, HENRICO (#22) ties at 89/100; one place down, Roanoke Valley Community (#24) scores 88/100, 1 point lower.
ARGENT Call Report trajectory
ARGENT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $538.0M (2025Q4) to $560.1M (2026Q1).
- Net-worth ratio shifted +0.07 pp (9.43% → 9.50%).
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
ARGENT gives up 11 points in total. Member Growth costs the most, 6.7 of its 15; Return on Assets scores full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ARGENT financially healthy?
ARGENT has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,328 of 4,374 nationally on health and #23 of 95 in Virginia. Its net worth ratio is 9.50% and its delinquency rate 0.72%.
How does ARGENT compare to other credit unions?
ARGENT scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is return on assets (0.88% vs 0.51%). Its widest shortfall is loan-to-share ratio (65.85% vs 83.90%).
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?
ARGENT 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. ARGENT's net worth ratio of 9.50% 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.