NAVY FEDERAL CREDIT UNION
Charter #5536 | VA
10B+
(21 CUs)
Titans
($10B+)
(21 CUs)
2 10B+ in VA
NAVY FEDERAL CREDIT UNION has 13 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.0% in tier
- + Organic Growth Leader: Top 0.0% in tier
- + Relationship Depth Leader: Top 40.6% in tier
- + Wallet Share Momentum: Top 40.6% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 1.70% above tier average
- + Strong member growth: 6.8% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Total Assets: Top 0.0% in tier
- + Total Loans: Top 0.0% in tier
- + Total Deposits: Top 0.0% in tier
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.44% above tier average
- - Net Charge-Off Rate: Bottom 4.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,998,804
+6.8% YoY+1.7% QoQ
|
+13.2M |
1,822,416
+4.1% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 4.8% in tier |
| Assets |
$194.2B
+7.4% YoY+1.3% QoQ
|
+$165.5B |
$28.7B
+4.2% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 4.8% in tier |
| Loans |
$140.2B
+6.3% YoY+1.7% QoQ
|
+$119.1B |
$21.1B
+5.8% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 4.8% in tier |
| Deposits |
$163.7B
+9.0% YoY+1.4% QoQ
|
+$139.2B |
$24.4B
+7.2% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 4.8% in tier |
| ROA |
1.0%
-8.1% YoY+4.9% QoQ
|
+0.3% |
0.8%
+17.7% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
67th in tier |
| NIM |
4.8%
+3.0% YoY+0.5% QoQ
|
+1.7% |
3.1%
+10.6% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
56.0%
+4.8% YoY-1.2% QoQ
|
-8.3% |
64.3%
-4.3% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Bottom 19.0% in tier |
| Delinquency Rate |
1.6%
-2.9% YoY+3.6% QoQ
|
+0.4 |
1.2%
+9.7% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 23.8% in tier |
| Loan To Share |
85.7%
-2.5% YoY+0.3% QoQ
|
-4.1% |
89.8%
-0.3% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
33rd in tier |
| AMR |
$20,258
+0.9% YoY-0.1% QoQ
|
$-11K |
$31,184
+7.8% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.5% in tier |
| CD Concentration |
34.5%
+4.8% YoY+1.5% QoQ
|
+2.6% |
31.9%
+2.0% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
57th in tier |
| Indirect Auto % | 0.0% | -14.2% |
14.2%
-8.9% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#1 of 18 • Top 0.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
6.79%
(Tier:
3.59%, National:
9.37%)
Return on Assets:
1.01%
(Tier:
0.76%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
14.25%, National:
7.90%)
18 of 21 Titans CUs have this signature
| 917 nationally
→ Stable (18→18 CUs)
Organic Growth Leader
growth
#1 of 12 • Top 0.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
6.79%
(Tier:
3.59%, National:
9.37%)
12 of 21 Titans CUs have this signature
| 608 nationally
→ Stable (11→12 CUs)
+1 CUs YoY
Relationship Depth Leader
growth
#14 of 14 • Top 40.6% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
0.88%
(Tier:
2.80%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.9K, National: $2.0K)
14 of 21 Titans CUs have this signature
| 1330 nationally
↑ Growing
+8 CUs YoY
|
New qualifier
Wallet Share Momentum
growth
#14 of 14 • Top 40.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
0.88%
(Tier:
2.80%, National:
4.19%)
14 of 21 Titans CUs have this signature
| 1330 nationally
↑ Growing
+8 CUs YoY
|
New qualifier
Concerns (0)
No concerns identified
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 (10 metrics)
1
Net Interest Margin (NIM)
profitability
Value:
4.81%
Peer Avg: 3.11%
#1 of 21
Top 0.0% in 10B+ tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.25%
#1 of 21
Top 0.0% in 10B+ tier
1
Total Members
engagement
Value:
14,998,804
Peer Avg: 1,822,417
#1 of 21
Top 0.0% in 10B+ tier
1
Total Assets
balance_sheet
Value:
$194.18B
Peer Avg: $28.72B
#1 of 21
Top 0.0% in 10B+ tier
1
Total Loans
balance_sheet
Value:
$140.19B
Peer Avg: $21.09B
#1 of 21
Top 0.0% in 10B+ tier
1
Total Deposits
balance_sheet
Value:
$163.66B
Peer Avg: $24.43B
#1 of 21
Top 0.0% in 10B+ tier
3
Member Growth Rate
growth
Value:
6.79%
Peer Avg: 3.59%
#3 of 21
Top 9.5% in 10B+ tier
4
Net Worth Ratio
risk
Value:
11.58%
Peer Avg: 10.22%
#4 of 21
Top 14.3% in 10B+ tier
4
Members Per Employee (MPE)
engagement
Value:
597.229
Peer Avg: 499.855
#4 of 21
Top 14.3% in 10B+ tier
5
Efficiency Ratio
profitability
Value:
55.96%
Peer Avg: 64.29%
#5 of 21
Top 19.0% in 10B+ tier
Top Weaknesses (4 metrics)
21
Net Charge-Off Rate
risk
Value:
2.40%
Peer Avg: 0.85%
#21 of 21
Bottom 4.8% in 10B+ tier
19
Average Member Relationship (AMR)
engagement
Value:
$20,258
Peer Avg: $31,184
#19 of 21
Bottom 14.3% in 10B+ tier
19
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,347
Peer Avg: $14,676
#19 of 21
Bottom 14.3% in 10B+ tier
17
Total Delinquency Rate (60+ days)
risk
Value:
1.62%
Peer Avg: 1.18%
#17 of 21
Bottom 23.8% in 10B+ tier