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 11 strengths but faces 2 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 0.0% 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
|
67% |
| 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
|
19% |
| 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
|
76% |
| 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
|
33% |
| 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
|
57% |
| 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 (2)
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 (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
6.79%
(Tier:
3.59%, National:
9.37%)
Indirect Auto %:
0.00%
(Tier:
14.25%, National:
7.90%)
12 of 21 Titans CUs have this signature |
608 nationally
→ Stable (11→12 CUs)
+1 CUs YoY
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: -
#1 of 21
Top 0.0% in 10B+ tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Members
engagement
Value:
14,998,804
Peer Avg: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Assets
balance_sheet
Value:
$194.18B
Peer Avg: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Loans
balance_sheet
Value:
$140.19B
Peer Avg: -
#1 of 21
Top 0.0% in 10B+ tier
1
Total Deposits
balance_sheet
Value:
$163.66B
Peer Avg: -
#1 of 21
Top 0.0% in 10B+ tier
3
Member Growth Rate
growth
Value:
6.79%
Peer Avg: -
#3 of 21
Top 9.5% in 10B+ tier
4
Net Worth Ratio
risk
Value:
11.58%
Peer Avg: -
#4 of 21
Top 14.3% in 10B+ tier
4
Members Per Employee (MPE)
engagement
Value:
597.229
Peer Avg: -
#4 of 21
Top 14.3% in 10B+ tier
5
Efficiency Ratio
profitability
Value:
55.96%
Peer Avg: -
#5 of 21
Top 19.0% in 10B+ tier
Top Weaknesses (4 metrics)
21
Net Charge-Off Rate
risk
Value:
2.40%
Peer Avg: -
#21 of 21
Bottom 4.8% in 10B+ tier
19
Average Member Relationship (AMR)
engagement
Value:
$20,258
Peer Avg: -
#19 of 21
Bottom 14.3% in 10B+ tier
19
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,347
Peer Avg: -
#19 of 21
Bottom 14.3% in 10B+ tier
17
Total Delinquency Rate (60+ days)
risk
Value:
1.62%
Peer Avg: -
#17 of 21
Bottom 23.8% in 10B+ tier