# ARGENT
CHESTERFIELD, VA · NCUA charter 24313 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/argent-24313

Who the members are: federal charter, community charter, organized 1987, low-income designated. 35,108 members of 1,000,000 potential (3.5% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $560.1M |
| Members | 35,108 (-0.4% YoY) |
| Full-time staff | 90 |
| Net worth | $50.9M |
| Net worth ratio | 9.1% (p22 of band) |
| ROA (annualized) | 0.93% (p69 of band) |
| Total delinquency | 0.67% (p58 of band) |
| Net charge-offs (annualized) | 0.40% (p49 of band) |
| Loans / shares | 64% (p15 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.65% (p66 of band) |
| Operating expense / assets | 3.49% (p47 of band) |
| Vehicles % of loans | 51% (p90 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 263% (p85 of band) |
| Vehicle delinquency | 0.81% (p65 of band) |
| Vehicle NCO | 1.14% (p62 of band) |
| Repossessed % of vehicle book | 0.23% (p83 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 89% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 34% |
| Average share balance | $6,913 |
| Participations bought / yr | $9.1M |
| Participations sold / yr | $0 |
| Participations outstanding | $45.3M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $15,146 |
| Loans granted, annualized | $85.6M |

## Participation posture (from the same filings)

Bought $9.1M and sold $0 in the latest annualized quarter; $45.3M outstanding purchased (89.0% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 7.2% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | net worth falling, delinquency 2x band |  |
| 2017-03 | 4 | thin capital, losing money | delinquency 2x band |
| 2017-06 | 3 | delinquency 2x band | net worth falling, losing money |
| 2017-09 | 2 |  | thin capital |
| 2017-12 | 2 |  |  |
| 2018-03 | 4 | delinquency rising, charge-offs p90 |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 2 |  | charge-offs p90 |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | delinquency 2x band |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | delinquency 2x band |  |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 1 |  |  |
| 2020-06 | 4 | net worth falling, margin squeeze, charge-offs p90 |  |
| 2020-09 | 4 | thin capital | charge-offs p90 |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 5 | delinquency 2x band, auto monoline | net worth falling |
| 2021-12 | 4 |  | auto monoline |
| 2022-03 | 4 | net worth falling, delinquency rising | margin squeeze, delinquency 2x band |
| 2022-06 | 2 |  | net worth falling, delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 3 | leaning on borrowings |  |
| 2023-06 | 4 | net worth falling |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 5 | delinquency 2x band, delinquency rising | leaning on borrowings |
| 2024-03 | 4 |  | net worth falling |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency 2x band |
| 2024-12 | 2 |  | delinquency rising |
| 2025-03 | 3 | delinquency 2x band |  |
| 2025-06 | 1 |  | thin capital, delinquency 2x band |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-22 [Virginia Credit Union to open branch in Shockoe’s Berkeley Hotel - Richmond BizSense](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZ1ctSGxMQjJIVUVpYUVZYllQWThmVDk3NlE2NEJCMktidjNqU1BoMXhLZ3Z5N0tLOFpGNnBnNTd5T0k0RWExQnhydnVVaFBDdmZ3bU1FQWI1Qk5oWHlSWExnVHpQV29VX3RFZnpaT1FtWnhYNzNucFhSaFg3VEtndV82NVYxWnhtaXFBUC1COHVIS2o0blI4c3lWVHVDYVdwUWdpb2xTSQ?oc=5) · Richmond BizSense
- 2015-10-24 [Robert Brian Edwards - J.T. Morriss & Son Funeral Home](https://news.google.com/rss/articles/CBMiZEFVX3lxTE82aG45bV9lREdjcXBLRGhfR2daX01ZVE5hd1RaRUZVanlYR0pURm9TRUZsUUM3NjdZWEpUdVhnM2pQX25abTgzMHBLcGMxeXhnMHhqZ0hGd1hzM3pWd3pLcE9USFo?oc=5) · J.T. Morriss & Son Funeral Home
- 2012-01-21 [Obituary for Richard Lee "Rick" Lanzillotti, Jr. at Mechanicsville Chapel - Bennett Funeral Homes](https://news.google.com/rss/articles/CBMiYkFVX3lxTE91MEVYTGkzcnFWQXhoYnotVjdqOHM1ck1FQmxOdWFVNElrS2VqWnY3V2xhNndCaGV4Z2tmMlhmMUNtSS1mMHdIeWNxN1JjVjhvdXUxMXdYUjZSaVdqWW9iX2Rn?oc=5) · Bennett Funeral Homes
- 2022-09-02 [Obituary information for John "Johnny" Noell Sanderson - blileys.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxQX1VsLWdtekdhUGpFdjFndzFWa2UyaTVVLTU3UGJaREdWeTZjQ2Rza2dNUmdTZmtyc2lScFp4M2hqZ0s4Tms5dnpXSUlYZ2Q5aG9ZVC0zVWRDQVViRzBFcGxWUWNtTzUtUGU5ZzdVR2s4ell6UmtybU9hNDFyeFBuWA?oc=5) · blileys.com
- 2016-05-27 [Chesterfield man gets 15 years in prison after rash of armed bank robberies - WWBT](https://news.google.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?oc=5) · WWBT
- 2017-08-21 [Collegiate School Aquatics Center - Archinect](https://news.google.com/rss/articles/CBMif0FVX3lxTFBLeWlycmZqYWctbVpvYkFkaXlHYzRxc2k3NXFHWVFBOEVWa19Zc0VwVTRVUzhLcnZSbFlOY0l2T3lYTjlGWHRBbUVGdUlWX0o4TE1BRVZNZ3dSOVVoUE9EZ01nZ3c0SzFoNFU4LUR0bmpRV0QzMm5OWG80ZFhCR3M?oc=5) · Archinect
- 2016-05-27 [Chesterfield man gets 15 years in prison after he robbed same bank 3 times - WTVR.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE9KR3UtMjRSYWdXZ01wOTVnUElOeVBtcWVBc18tVzdraTJGRVgtTzBVb0lVTTFMRVYtMk1FWE04M09xVnpPWll3TjVybHB6Vl9kb2RLQ2JMeHFLbDBxSlZVZHp4WC0zRDVTVUdj?oc=5) · WTVR.com
- 2016-06-03 [Obituary information for William E. Brewer Jr. - blileys.com](https://news.google.com/rss/articles/CBMidkFVX3lxTE1iLURCNzZ1b1doUWpfU0dvQ0RDWnI2UjJXblprbnJ3dFJQNVZ6UUtIT29TbkR4RC02WUI5ZnUzazgzNC1adjhCc0lBeVdFUGxqWE9hLU1EUU8takhTOXpHbE4tWWR3UlNWcGhMN2tyemIwVGtjYkE?oc=5) · blileys.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24313 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "24313", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24313
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide