BlastPoint's Credit Union Scorecard
NAVY FEDERAL CREDIT UNION
Charter #5536 · VA
Titans
10B+
21 CUs in 10B+ nationally
2 in VA
View Titans leaderboard →
NAVY FEDERAL CREDIT UNION has 10 strengths but faces 4 concerns
National Analysis
How does the industry compare?
Titans Tier
What's your peer group doing?
VA Analysis
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.0% in tier
- + Organic Growth Leader: Top 18.2% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 1.69% above tier average
- + Strong member growth: 6.1% YoY
- + Total Assets: Top 0.0% in tier
- + Total Deposits: Top 0.0% in tier
- + Total Loans: Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.7% in tier
- - Credit Risk Growth: Bottom 30.8% in tier
- - Delinquency rate 0.78% above tier average
- - Net Charge-Off Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,139,001
+6.1% YoY+0.9% QoQ
|
+13.3M |
1,831,295
-0.2% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Top 4.8% in tier |
| Assets |
$197.2B
+9.0% YoY+1.5% QoQ
|
+$168.0B |
$29.1B
+3.6% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 4.8% in tier |
| Loans |
$142.6B
+5.8% YoY+1.7% QoQ
|
+$121.2B |
$21.4B
+2.0% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 4.8% in tier |
| Deposits |
$166.6B
+9.7% YoY+1.8% QoQ
|
+$141.7B |
$24.9B
+4.3% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 4.8% in tier |
| ROA |
1.0%
+3.4% YoY-3.8% QoQ
|
+0.2% |
0.7%
+30.7% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
4.8%
+2.5% YoY-0.1% QoQ
|
+1.7% |
3.1%
+7.9% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
56.1%
+3.5% YoY+0.2% QoQ
|
-8.5% |
64.6%
-4.0% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
2.0%
+16.7% YoY+21.2% QoQ
|
+0.8 |
1.2%
+0.3% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Top 14.3% in tier |
| Loan To Share |
85.6%
-3.6% YoY-0.0% QoQ
|
-3.5% |
89.1%
-2.0% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$20,423
+1.6% YoY+0.8% QoQ
|
$-11K |
$31,580
+8.5% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.3% in tier |
| CD Concentration |
33.4%
-0.2% YoY-3.4% QoQ
|
+1.9% | 31.4% | 18.3% | 19.8% | 52% |
| Indirect Auto % | 0.0% | -14.1% | 14.1% | 9.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growth
#1 of 17 • Top 0.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
6.12%
(Tier:
3.16%, National:
4.32%)
Return on Assets:
0.98%
(Tier:
0.73%, National:
0.67%)
Indirect Auto %:
0.00%
(Tier:
14.14%, National:
7.78%)
17 of 21 Titans CUs have this signature |
913 nationally
→ No prior data (17 CUs now)
|
New qualifier
Organic Growth Leader
growth
#3 of 12 • Top 18.2% in tier
Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
6.12%
(Tier:
3.16%, National:
4.32%)
Indirect Auto %:
0.00%
(Tier:
14.14%, National:
7.78%)
12 of 21 Titans CUs have this signature |
609 nationally
→ No prior data (12 CUs now)
|
New qualifier
Concerns (2)
Credit Quality Pressure
risk
#2 of 16 • Bottom 6.7% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.28% points
(Tier:
0.05% points, National:
0.06% points)
16 of 21 Titans CUs have this signature |
969 nationally
→ Stable (19→16 CUs)
-3 CUs YoY
|
Rank improving
Credit Risk Growth
risk
#5 of 14 • Bottom 30.8% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.77%
(Tier:
6.11%, National:
111.96%)
Delinquency Change (YoY):
0.28% points
(Tier:
0.05% points, National:
0.06% points)
14 of 21 Titans CUs have this signature |
665 nationally
→ No prior data (14 CUs now)
|
New qualifier
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)
Top Strengths (12 metrics)
1
Net Interest Margin (NIM)
profitability
Value:
4.80%
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Assets
balance_sheet
Value:
$197.17B
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Deposits
balance_sheet
Value:
$166.56B
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Loans
balance_sheet
Value:
$142.62B
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Members
engagement
Value:
15,139,001
Peer Median: -
#1 of 21
Top 0.0% in 10B+ tier
4
Efficiency Ratio
profitability
Value:
56.07%
Peer Median: -
#4 of 21
Top 14.3% in 10B+ tier
4
Members Per Employee (MPE)
engagement
Value:
598.403
Peer Median: -
#4 of 21
Top 14.3% in 10B+ tier
5
Member Growth Rate
growth
Value:
6.12%
Peer Median: -
#5 of 21
Top 19.0% in 10B+ tier
5
Deposit Growth Rate
growth
Value:
9.70%
Peer Median: -
#5 of 21
Top 19.0% in 10B+ tier
Top Weaknesses (4 metrics)
21
Net Charge-Off Rate
risk
Value:
2.27%
Peer Median: -
#21 of 21
Bottom 4.8% in 10B+ tier
19
Total Delinquency Rate (60+ days)
risk
Value:
1.97%
Peer Median: -
#19 of 21
Bottom 14.3% in 10B+ tier
19
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,421
Peer Median: -
#19 of 21
Bottom 14.3% in 10B+ tier
18
Average Member Relationship (AMR)
engagement
Value:
$20,423
Peer Median: -
#18 of 21
Bottom 19.0% in 10B+ tier