NAVIGATOR

Charter #24954 | MS

100M-500M (1077 CUs) Micro
12 100M-500M in MS

NAVIGATOR has 8 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 19.9% in tier
  • + ROA 1.25% above tier average
  • + Net Interest Margin 1.90% above tier average
  • + Total Members: Top 0.5% in tier
  • + Fee Income Per Member: Top 3.2% in tier
  • + Net Worth Ratio: Top 6.5% in tier
  • + Share Certificate Concentration (%): Top 8.0% in tier
  • + Total Loans: Top 9.0% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 1.5% in tier
  • - Capital Constraint: Bottom 5.8% in tier
  • - Shrinking Wallet Share: Bottom 8.2% in tier
  • - Liquidity Overhang: Bottom 17.2% in tier
  • - Indirect Auto Dependency: Bottom 27.8% in tier
  • - Asset Growth Rate: Bottom 2.0% in tier
  • - Deposit Growth Rate: Bottom 2.6% in tier
  • - Average Member Relationship (AMR): Bottom 3.1% in tier
  • - Net Charge-Off Rate: Bottom 5.1% in tier
  • - AMR Growth Rate: Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Members 47,356
+0.9% YoY-0.0% QoQ
 +31.7K 15,628
-3.4% YoY
 14,577
+18.5% YoY
 33,089
+6.1% YoY
 Top 0.6% in tier
Assets $384.2M
-6.7% YoY-1.2% QoQ
 +$152.9M $231.3M
-0.0% YoY
 $171.7M
+26.4% YoY
 $547.7M
+7.8% YoY
 Top 13.2% in tier
Loans $278.1M
+0.4% YoY+0.5% QoQ
 +$130.3M $147.8M
-1.4% YoY
 $115.7M
+25.1% YoY
 $388.7M
+8.6% YoY
 Top 9.1% in tier
Deposits $311.5M
-6.3% YoY-2.2% QoQ
 +$111.2M $200.3M
-0.0% YoY
 $135.7M
+26.5% YoY
 $464.6M
+9.3% YoY
 Top 16.4% in tier
ROA 2.0%
+248.4% YoY-4.2% QoQ
 +1.2% 0.8%
+15.5% YoY
 0.9%
+335.0% YoY
 0.7%
+273.4% YoY
 Top 2.8% in tier
NIM 5.5%
+21.1% YoY-1.0% QoQ
 +1.9% 3.6%
+6.9% YoY
 4.4%
+3.2% YoY
 3.7%
+5.0% YoY
 Top 0.8% in tier
Efficiency Ratio 67.2%
-13.3% YoY+2.5% QoQ
 -10.1% 77.3%
-3.0% YoY
 78.7%
-9.5% YoY
 79.1%
-3.3% YoY
 Bottom 19.1% in tier
Delinquency Rate 0.6%
-8.7% YoY+25.5% QoQ
 -0.3 0.9%
+7.6% YoY
 1.7%
-11.9% YoY
 1.2%
-0.9% YoY
 44th in tier
Loan To Share 89.3%
+7.2% YoY+2.7% QoQ
 +16.6% 72.7%
-1.5% YoY
 68.6%
-0.4% YoY
 68.0%
-1.7% YoY
 Top 16.7% in tier
AMR $12,449
-4.1% YoY-0.9% QoQ
 $-12K $24,363
+2.9% YoY
 $12,163
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 3.0% in tier
CD Concentration 8.2%
-57.6% YoY-20.2% QoQ
 -16.2% 24.4%
+4.2% YoY
 19.3%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 32.4%
-14.0% YoY-4.2% QoQ
 +18.4% 14.0%
-5.8% YoY
 2.5%
+12.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#365 of 603 • Top 19.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.88%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 2.04%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 32.40%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (5)

Deposit Outflow

decline
#10 of 114 • Bottom 1.5% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -6.32%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $384.20M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Capital Constraint

risk
#6 of 18 • Bottom 5.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature
Loan-to-Share Ratio: 89.26%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Deposit Growth (YoY): -6.32%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Net Worth Ratio: 17.29%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
18 of 1077 Community CUs have this signature | 29 nationally
↓ Shrinking -33 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#83 of 244 • Bottom 8.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.09%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Overhang

risk
#267 of 552 • Bottom 17.2% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.29%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 89.26%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#448 of 525 • Bottom 27.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -6.71%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 32.40%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.88%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

6
Total Members
engagement
Value: 47,356
Peer Avg: 15,628
#6 of 1077 Top 0.5% in 100M-500M tier
9
Net Interest Margin (NIM)
profitability
Value: 5.49%
Peer Avg: 3.58%
#9 of 1077 Top 0.7% in 100M-500M tier
30
Return on Assets (ROA)
profitability
Value: 2.04%
Peer Avg: 0.79%
#30 of 1077 Top 2.7% in 100M-500M tier
36
Fee Income Per Member
profitability
Value: $324.70
Peer Avg: $174.31
#36 of 1077 Top 3.2% in 100M-500M tier
71
Net Worth Ratio
risk
Value: 17.29%
Peer Avg: 12.15%
#71 of 1077 Top 6.5% in 100M-500M tier
87
Share Certificate Concentration (%)
balance_sheet
Value: 8.18%
Peer Avg: 23.61%
#87 of 1077 Top 8.0% in 100M-500M tier
98
Total Loans
balance_sheet
Value: $278.05M
Peer Avg: $147.80M
#98 of 1077 Top 9.0% in 100M-500M tier
142
Total Assets
balance_sheet
Value: $384.20M
Peer Avg: $231.30M
#142 of 1077 Top 13.1% in 100M-500M tier
177
Total Deposits
balance_sheet
Value: $311.50M
Peer Avg: $200.29M
#177 of 1077 Top 16.3% in 100M-500M tier
180
Loan-to-Share Ratio
balance_sheet
Value: 89.26%
Peer Avg: 72.70%
#180 of 1077 Top 16.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1056
Asset Growth Rate
growth
Value: -6.71%
Peer Avg: 4.70%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
1050
Deposit Growth Rate
growth
Value: -6.32%
Peer Avg: 4.69%
#1050 of 1077 Bottom 2.6% in 100M-500M tier
1045
Average Member Relationship (AMR)
engagement
Value: $12,449
Peer Avg: $24,363
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1023
Net Charge-Off Rate
risk
Value: 1.33%
Peer Avg: 0.47%
#1023 of 1077 Bottom 5.1% in 100M-500M tier
1014
AMR Growth Rate
growth
Value: -4.09%
Peer Avg: 3.64%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
940
Loan-to-Member Ratio (LMR)
engagement
Value: $5,871
Peer Avg: $10,245
#940 of 1077 Bottom 12.8% in 100M-500M tier
925
Indirect Auto Concentration (%)
balance_sheet
Value: 32.40%
Peer Avg: 13.34%
#925 of 1077 Bottom 14.2% in 100M-500M tier