Agriculture

MERRIFIELD, VA · 1 · Charter #16400 · www.agriculturefcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$349.1M
29th percentile
Members
23,958
39th percentile
Total loans
$210.7M
24th percentile
Total shares
$308.1M
32th percentile

Profitability

Return on assets
0.75%
36th percentile
Net interest margin
3.30%
39th percentile
Efficiency ratio
65.31%
24th percentile
Non-interest income ratio
12.75%
14th percentile

Capital & Risk

Net worth ratio
12.12%
67th percentile
Delinquency rate
0.59%
62th percentile
Net charge-off rate
0.50%
40th percentile
Loan-to-share
68.39%
24th percentile

Growth

Member growth YoY
-4.27%
12th percentile
Asset growth YoY
-0.97%
10th percentile
Loan growth YoY
-7.91%
4th percentile
Share growth YoY
-2.42%
5th percentile

Operations

Members / branch
11,979
96th percentile
Assets / member
$14,572
34th percentile
Field of membership penetration
3.41%
42th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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