BlastPoint's Credit Union Scorecard
NAVY FEDERAL CREDIT UNION
Charter #5536 · VA
NAVY FEDERAL CREDIT UNION has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 40.0% in tier
- + Organic Growth Leader: Top 40.0% in tier
- + ROA 0.36% above tier average
- + Net Interest Margin 1.66% above tier average
- + Strong member growth: 5.2% YoY
- + Total Assets: Top 0.1% in tier
- + Total Deposits: Top 0.1% in tier
- + Total Loans: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 60.0% in tier
- - Credit Quality Pressure: Bottom 80.0% in tier
- - Delinquency rate 0.55% above tier average
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Virginia.
- Shares and deposits +7.4% year over year ($173.4B in shares and deposits).
- Membership: 15,517,448 members, +5.2% vs a year ago.
- Delinquency rate 1.58%.
- Return on assets 1.38%.
- Efficiency ratio 55.22% vs a 61.57% peer average.
- Loan-to-share ratio 84.40% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,517,448
+5.2% YoY+1.1% QoQ
|
+13.8M |
1,671,910
-4.2% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 4.0% in tier |
| Assets |
$204.4B
+6.6% YoY+0.4% QoQ
|
+$176.7B |
$27.7B
+0.2% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 4.0% in tier |
| Loans |
$146.3B
+6.2% YoY+2.1% QoQ
|
+$126.3B |
$20.0B
-0.9% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 4.0% in tier |
| Deposits |
$173.4B
+7.4% YoY+0.1% QoQ
|
+$149.8B |
$23.5B
+0.4% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 4.0% in tier |
| ROA |
1.4%
+43.1% YoY-6.2% QoQ
|
+0.4% |
1.0%
+45.0% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
4.9%
+2.5% YoY+0.8% QoQ
|
+1.7% |
3.2%
+5.4% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
55.2%
-2.5% YoY-0.8% QoQ
|
-6.3% |
61.6%
-6.2% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
1.6%
+0.5% YoY+5.3% QoQ
|
+0.6 |
1.0%
-2.7% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
84.4%
-1.1% YoY+2.0% QoQ
|
-3.1% |
87.5%
-3.0% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$20,602
+1.6% YoY-0.1% QoQ
|
$-12K |
$32,850
+5.7% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.0% in tier |
| CD Concentration |
33.7%
-0.9% YoY+1.5% QoQ
|
+3.5% | 30.2% | 18.0% | 20.0% | 64% |
| Indirect Auto % | 0.0% | -15.0% | 15.0% | 9.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)