TellerScore

Agriculture Federal Credit Union is a federal credit union headquartered in Merrifield, Virginia, in business for about 92 years. At the end of Q2 2026 it reported $350.7M in total assets and $309.0M in member shares and deposits, with 1 office.

Agriculture Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 1,341 credit unions with $100 million – $1 billion. Among 95 credit unions headquartered in Virginia, it ranks 31st. Problem-loan coverage contributes the most (95/100, 2.5%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.38%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.52%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity94/100
Loans ÷ shares: 66.1% · 15.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.45%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the capital cushion component improved by 8 points.

TellerScore
677276Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202468
Q1 202571
Q2 202573
Q3 202574
Q4 202573
Q1 202672
Q2 202676
Net worth ratio
7.00%9.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.98%
Q3 202411.36%
Q4 202411.53%
Q1 202511.27%
Q2 202511.62%
Q3 202511.94%
Q4 202512.12%
Q1 202612.12%
Q2 202612.38%
Delinquent loans (60+ days)
0.35%0.60%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.43%
Q4 20240.47%
Q1 20250.38%
Q2 20250.37%
Q3 20250.37%
Q4 20250.59%
Q1 20260.85%
Q2 20260.52%
Return on assets
0.01%0.35%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.01%
Q3 20240.12%
Q4 20240.15%
Q1 20250.40%
Q2 20250.49%
Q3 20250.48%
Q4 20250.51%
Q1 20260.63%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$350.7M12.38%0.52%0.68%66.1%
Q1 202672$353.1M12.12%0.85%0.63%66.0%
Q4 202573$349.1M12.12%0.59%0.51%68.4%
Q3 202574$350.3M11.94%0.37%0.48%68.4%
Q2 202573$356.4M11.62%0.37%0.49%68.0%
Q1 202571$362.8M11.27%0.38%0.40%68.8%
Q4 202468$352.5M11.53%0.47%0.15%72.5%
Q3 202468$355.8M11.36%0.43%0.12%72.5%
Q2 202467$365.5M10.98%0.35%0.01%71.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.38%
62nd
Problem loans0.52%
63rd
Net charge-offs0.45%
40th
Return on assets0.68%
45th
Loans to deposits66.1%
69th
Uninsured deposits15.3%
5th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
70th

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InstitutionScoreAssetsCapitalProblem loansCompare
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Homebase Federal Credit UnionCredit union Prince George, VA72 out of 100, Strong$297.8M10.9%0.96%vs
Bronco Federal Credit UnionCredit union Franklin, VA61 out of 100, Moderate$292.4M11.0%1.37%vs

Deposit insurance

Is my money safe at Agriculture Federal Credit Union?

Yes. Agriculture Federal Credit Union is a federally insured credit union (NCUA charter #16400). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 15.3% of shares and deposits ($47.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.38%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Agriculture Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Agriculture Federal Credit Union reported 144 home-loan applications under HMDA (LEI 549300P5JG6WBCSZ7M53): 68 originated ($5,870,000 total), 51 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 41.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Agriculture Federal Credit Union
Type
Federal credit union
NCUA charter #
16400
RSSD ID
605085
Primary regulator
NCUA
Established
1934
Headquarters
P.O. Box 2225, Merrifield, VA 22116
Employees
45

Quick answers

Agriculture Federal Credit Union: common questions

Is Agriculture Federal Credit Union NCUA insured?

Yes. Agriculture Federal Credit Union is a federally insured credit union (NCUA charter #16400). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Agriculture Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Agriculture Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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