Credit Union Safety Analysis
Is Agriculture Federal Credit Union Safe? Washington, District of Columbia
Based on its Q2 2026 NCUA 5300 call report, Agriculture Federal Credit Union has a net worth ratio of 12.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.52%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Agriculture Federal Credit Union's net worth ratio is 12.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.38%
- Delinquency ratio (60+ days) (Q2 2026): 0.52%
- Return on assets (Q2 2026): 0.74%
- Loan-to-share ratio (Q2 2026): 66.13%
Agriculture Federal Credit Union (NCUA charter 16400, established 1964) reported $350.7M in assets and 22,929 members for Q2 2026 from Washington, District of Columbia. It ranks 4 of 29 credit unions in District of Columbia by total assets. Total assets fell 1.6% from $356.4M on June 30, 2025. It has 1,477 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was up 0.76 percentage points from 11.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $141.6M of $204.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.52% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 12.12% for Q1 2026; 11.62% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.85% for Q1 2026; 0.37% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.63% for Q1 2026; 0.58% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 65.98% for Q1 2026; 67.96% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $141.6M
- Other unsecured loans and lines of credit: $20.8M
- Used vehicle loans: $16.5M
- Commercial loans: $9.7M
- New vehicle loans: $6.4M
- Unsecured credit card loans: $5.8M
- Non-federally guaranteed student loans: $3.2M
- Other secured non-real estate loans and lines of credit: $276K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $350.7M | 12.38% | 0.52% | 0.74% | 66.13% |
| March 31, 2026 | $353.1M | 12.12% | 0.85% | 0.63% | 65.98% |
| December 31, 2025 | $349.1M | 12.12% | 0.59% | 0.59% | 68.39% |
| September 30, 2025 | $350.3M | 11.94% | 0.37% | 0.43% | 68.44% |
| June 30, 2025 | $356.4M | 11.62% | 0.37% | 0.58% | 67.96% |
| March 31, 2025 | $362.8M | 11.27% | 0.38% | 0.40% | 68.83% |
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Free to use. It shows Agriculture Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Agriculture Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 16400) · FFIEC NIC profile (RSSD 605085)
Frequently asked questions
Is Agriculture Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Agriculture Federal Credit Union's net worth ratio is 12.38%, above the 7% NCUA threshold for well capitalized.
Is Agriculture Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Agriculture Federal Credit Union is a federally insured credit union (NCUA charter 16400): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Agriculture Federal Credit Union's key safety ratios?
For Q2 2026, Agriculture Federal Credit Union reports net worth 12.38%, delinquency 0.52%, ROA 0.74%, loan-to-share 66.13%.
What happens to my money if Agriculture Federal Credit Union fails?
For Q2 2026, Agriculture Federal Credit Union held $309.0M in shares and deposits for 22,929 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.