BlastPoint's Credit Union Scorecard

NAVY FEDERAL CREDIT UNION

Charter #5536 · VA

Titans 10B+

Navy Federal at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Navy Federal is one of 101 credit unions in the 2026 VentureTech card set. We also found Navy Federal's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Navy Federal
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25 CUs in 10B+ nationally 2 in VA
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NAVY FEDERAL CREDIT UNION has 6 strengths but faces 6 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

  • + 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
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

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

growth
#1 of 11 • Top 40.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.18%
(Tier: 7.74%, National: 15.67%)
but worse than tier avg
Return on Assets: 1.38%
(Tier: 1.03%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 14.97%, National: 7.71%)
better than tier avg
11 of 25 Titans CUs have this signature | 490 nationally
↓ Shrinking -8 CUs YoY

Organic Growth Leader

growth
#3 of 9 • Top 40.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.18%
(Tier: 7.74%, National: 15.67%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 14.97%, National: 7.71%)
better than tier avg
9 of 25 Titans CUs have this signature | 485 nationally
→ Stable (13→9 CUs) -4 CUs YoY

Concerns (2)

Credit Risk Growth

risk
#17 of 18 • Bottom 60.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.18%
(Tier: 12.76%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.08% points, National: 0.08% points)
but better than tier avg
18 of 25 Titans CUs have this signature | 688 nationally
→ Stable (14→18 CUs) +4 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#20 of 21 • Bottom 80.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.08% points, National: 0.08% points)
but better than tier avg
21 of 25 Titans CUs have this signature | 962 nationally
→ Stable (16→21 CUs) +5 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 25 peers in tier

Top Strengths (8 metrics)

1
Net Interest Margin (NIM)
profitability
Value: 4.90%
Peer Median: 3.16%
#1 of 25 Top 0.1% in 10B+ tier
1
Total Assets
balance_sheet
Value: $204.36B
Peer Median: $19.38B
#1 of 25 Top 0.1% in 10B+ tier
1
Total Deposits
balance_sheet
Value: $173.36B
Peer Median: $15.58B
#1 of 25 Top 0.1% in 10B+ tier
1
Total Loans
balance_sheet
Value: $146.33B
Peer Median: $13.76B
#1 of 25 Top 0.1% in 10B+ tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 11.10%
#1 of 25 Top 0.1% in 10B+ tier
1
Total Members
engagement
Value: 15,517,448
Peer Median: 958,216
#1 of 25 Top 0.1% in 10B+ tier
3
Members Per Employee (MPE)
engagement
Value: 612.466
Peer Median: 431.551
#3 of 25 Top 8.0% in 10B+ tier
6
Return on Assets (ROA)
profitability
Value: 1.38%
Peer Median: 0.88%
#6 of 25 Top 20.0% in 10B+ tier

Top Weaknesses (5 metrics)

25
Net Charge-Off Rate
risk
Value: 2.38%
Peer Median: 0.75%
#25 of 25 Bottom 4.0% in 10B+ tier
24
Average Member Relationship (AMR)
engagement
Value: $20,602
Peer Median: $30,737
#24 of 25 Bottom 8.0% in 10B+ tier
24
Loan-to-Member Ratio (LMR)
engagement
Value: $9,430
Peer Median: $13,189
#24 of 25 Bottom 8.0% in 10B+ tier
22
Total Delinquency Rate (60+ days)
risk
Value: 1.58%
Peer Median: 0.92%
#22 of 25 Bottom 16.0% in 10B+ tier
20
AMR Growth Rate
growth
Value: 1.57%
Peer Median: 3.74%
#20 of 25 Bottom 24.0% in 10B+ tier
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