What is National Rural Utilities Cooper's Shariah compliance score?

National Rural Utilities Cooper (NRUC) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does National Rural Utilities Cooper pass AAOIFI screening?

National Rural Utilities Cooper (NRUC) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

How much purification is needed for National Rural Utilities Cooper?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for National Rural Utilities Cooper (NRUC) using the latest financial data.

Where can I screen National Rural Utilities Cooper for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for National Rural Utilities Cooper (NRUC) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

NRUCNot HalalF

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Compliance Status

Not Halal

Screened on Oct 11, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is National Rural Utilities Cooper (NRUC) halal? Not Halal. Based on AAOIFI screening, National Rural Utilities Cooper has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates National Rural Utilities Cooper (NRUC) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 11, 2026. Source: https://halalscreener.app/en/stock/NRUC

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

N/A

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The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding NRUC

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

NRUC: Is National Rural Utilities Cooper Halal?

National Rural Utilities Cooper

NYSEFinancial ServicesUS

$19.88

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About National Rural Utilities Cooper

CFC specializes in providing enduring financial solutions for extensive electrical infrastructure, covering everything from power distribution networks to energy generation facilities. Furthermore, the organization offers readily available emergency credit facilities to ensure swift power restoration in the aftermath of natural catastrophes. To broaden its financial offerings, CFC collaborates with partners like Farmer Mac, facilitating diverse funding mechanisms such as syndicated loans and loan resales.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Business activity: the company earns from an activity AAOIFI treats as prohibited.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 11, 2026

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Institutional-grade Shariah analysis

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See why NRUC is rated Not Halal with institutional-grade analysis

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: interest-based lending to rural electric cooperatives

Compliance History

Not Halalnow
since Sep 2026
Under Review
until the change above

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: FY 2026Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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$384.58

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iShares Silver Trust

$54.78

PSLVA+

Sprott Physical Silver Trust

$19.89

PHYSA+

Sprott Physical Gold Trust

$31.70

CEFA+

Sprott Physical Gold and Silver Trust

$41.67

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Frequently Asked Questions

Is National Rural Utilities Cooper (NRUC) halal to invest in?

National Rural Utilities Cooper (NRUC) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did National Rural Utilities Cooper get a F compliance rating?

National Rural Utilities Cooper's compliance grade is determined by AAOIFI Standard 21 screening, a two-step process: (1) qualitative screen for prohibited business activities and (2) quantitative check of debt, interest deposits, and prohibited income ratios. Scroll up to see the detailed ratio breakdown.

What could change National Rural Utilities Cooper's Shariah verdict?

National Rural Utilities Cooper's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is National Rural Utilities Cooper re-screened for Shariah compliance?

National Rural Utilities Cooper (NRUC) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 11, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.