BlastPoint's Credit Union Scorecard
NAVY FEDERAL CREDIT UNION
Charter #5536 · VA
Titans
10B+
24 CUs in 10B+ nationally
2 in VA
View Titans leaderboard →
NAVY FEDERAL CREDIT UNION has 8 strengths but faces 5 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 33.3% in tier
- + Organic Growth Leader: Top 33.3% in tier
- + ROA 0.58% above tier average
- + Net Interest Margin 1.67% above tier average
- + Strong member growth: 5.7% 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 Quality Pressure: Bottom 54.2% in tier
- - Credit Risk Growth: Bottom 54.2% in tier
- - Delinquency rate 0.58% above tier average
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,350,733
+5.7% YoY+1.4% QoQ
|
+13.6M |
1,712,610
-8.0% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$203.6B
+7.0% YoY+3.2% QoQ
|
+$175.4B |
$28.2B
-3.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Top 4.2% in tier |
| Loans |
$143.4B
+6.0% YoY+0.5% QoQ
|
+$123.2B |
$20.2B
-4.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 4.2% in tier |
| Deposits |
$173.2B
+8.2% YoY+4.0% QoQ
|
+$149.1B |
$24.1B
-2.9% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 4.2% in tier |
| ROA |
1.5%
+40.0% YoY+51.1% QoQ
|
+0.6% |
0.9%
+31.5% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Top 12.5% in tier |
| NIM |
4.9%
+0.2% YoY+1.2% QoQ
|
+1.7% |
3.2%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
55.7%
-2.0% YoY-0.7% QoQ
|
-8.2% |
63.9%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
1.5%
+4.4% YoY-24.0% QoQ
|
+0.6 |
0.9%
-6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.3% in tier |
| Loan To Share |
82.8%
-2.0% YoY-3.3% QoQ
|
-3.2% |
86.0%
-3.3% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$20,620
+1.4% YoY+1.0% QoQ
|
$-11K |
$32,099
+9.5% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.3% in tier |
| CD Concentration |
33.2%
-0.2% YoY-0.4% QoQ
|
+3.0% | 30.2% | 18.0% | 19.8% | 58% |
| Indirect Auto % | 0.0% | -14.9% | 14.9% | 9.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growth
#1 of 10 • Top 33.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
5.69%
(Tier:
8.10%, National:
10.19%)
Return on Assets:
1.48%
(Tier:
0.90%, National:
0.39%)
Indirect Auto %:
0.00%
(Tier:
14.95%, National:
7.73%)
10 of 24 Titans CUs have this signature |
499 nationally
→ No prior data (10 CUs now)
|
New qualifier
Organic Growth Leader
growth
#2 of 9 • Top 33.3% in tier
Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
5.69%
(Tier:
8.10%, National:
10.19%)
Indirect Auto %:
0.00%
(Tier:
14.95%, National:
7.73%)
9 of 24 Titans CUs have this signature |
518 nationally
→ No prior data (9 CUs now)
|
New qualifier
Concerns (2)
Credit Quality Pressure
risk
#13 of 19 • Bottom 54.2% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.06% points
(Tier:
0.07% points, National:
0.12% points)
19 of 24 Titans CUs have this signature |
1013 nationally
↑ Growing
+6 CUs YoY
|
New qualifier
Credit Risk Growth
risk
#14 of 16 • Bottom 54.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
5.97%
(Tier:
12.96%, National:
1.74%)
Delinquency Change (YoY):
0.06% points
(Tier:
0.07% points, National:
0.12% points)
16 of 24 Titans CUs have this signature |
710 nationally
→ No prior data (16 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 (9 metrics)
1
Net Interest Margin (NIM)
profitability
Value:
4.86%
Peer Median: 3.08%
#1 of 24
Top 0.1% in 10B+ tier
1
Total Assets
balance_sheet
Value:
$203.56B
Peer Median: $19.34B
#1 of 24
Top 0.1% in 10B+ tier
1
Total Deposits
balance_sheet
Value:
$173.18B
Peer Median: $15.86B
#1 of 24
Top 0.1% in 10B+ tier
1
Total Loans
balance_sheet
Value:
$143.35B
Peer Median: $14.54B
#1 of 24
Top 0.1% in 10B+ tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 10.97%
#1 of 24
Top 0.1% in 10B+ tier
1
Total Members
engagement
Value:
15,350,733
Peer Median: 1,003,618
#1 of 24
Top 0.1% in 10B+ tier
3
Return on Assets (ROA)
profitability
Value:
1.48%
Peer Median: 0.77%
#3 of 24
Top 8.3% in 10B+ tier
3
Members Per Employee (MPE)
engagement
Value:
608.335
Peer Median: 449.876
#3 of 24
Top 8.3% in 10B+ tier
6
Efficiency Ratio
profitability
Value:
55.66%
Peer Median: 62.83%
#6 of 24
Top 20.8% in 10B+ tier
Top Weaknesses (4 metrics)
24
Net Charge-Off Rate
risk
Value:
2.44%
Peer Median: 0.74%
#24 of 24
Bottom 4.2% in 10B+ tier
23
Total Delinquency Rate (60+ days)
risk
Value:
1.50%
Peer Median: 0.91%
#23 of 24
Bottom 8.3% in 10B+ tier
22
Average Member Relationship (AMR)
engagement
Value:
$20,620
Peer Median: $30,258
#22 of 24
Bottom 12.5% in 10B+ tier
22
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,338
Peer Median: $13,083
#22 of 24
Bottom 12.5% in 10B+ tier