NAVARRO
Charter #67407 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
NAVARRO has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Charge-Off Rate: Bottom 4.8% in tier
- - Deposit Growth Rate: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
677
+0.1% YoY-0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 18.8% in tier |
| Assets |
$2.7M
-7.1% YoY+0.1% QoQ
|
$-27.1M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.3% in tier |
| Loans |
$1.4M
-1.9% YoY+2.7% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 13.8% in tier |
| Deposits |
$1.6M
-11.7% YoY+0.0% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.3% in tier |
| ROA |
0.6%
-36.0% YoY+346.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
4.3%
+10.7% YoY+3.0% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
66th in tier |
| Efficiency Ratio |
75.2%
-3.9% YoY-7.9% QoQ
|
-6.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
42nd in tier |
| Delinquency Rate |
0.2%
+67.8% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
28th in tier |
| Loan To Share |
85.8%
+11.2% YoY+2.6% QoQ
|
+24.5% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 15.8% in tier |
| AMR |
$4,360
-7.6% YoY+1.4% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
51
Net Worth Ratio
risk
Value:
41.71%
Peer Avg: 16.43%
#51 of 2596
Top 1.9% in <100M tier
405
Loan-to-Share Ratio
balance_sheet
Value:
85.78%
Peer Avg: 61.23%
#405 of 2596
Top 15.6% in <100M tier
Top Weaknesses (11 metrics)
2472
Net Charge-Off Rate
risk
Value:
2.28%
Peer Avg: 0.57%
#2472 of 2596
Bottom 4.8% in <100M tier
2454
Deposit Growth Rate
growth
Value:
-11.71%
Peer Avg: 16.80%
#2454 of 2596
Bottom 5.5% in <100M tier
2407
Average Member Relationship (AMR)
engagement
Value:
$4,360
Peer Avg: $14,627
#2407 of 2596
Bottom 7.3% in <100M tier
2358
Asset Growth Rate
growth
Value:
-7.09%
Peer Avg: 1.82%
#2358 of 2596
Bottom 9.2% in <100M tier
2328
Total Deposits
balance_sheet
Value:
$1.59M
Peer Avg: $25.45M
#2328 of 2596
Bottom 10.4% in <100M tier
2300
AMR Growth Rate
growth
Value:
-7.56%
Peer Avg: 4.67%
#2300 of 2596
Bottom 11.4% in <100M tier
2276
Total Assets
balance_sheet
Value:
$2.73M
Peer Avg: $29.86M
#2276 of 2596
Bottom 12.4% in <100M tier
2262
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,013
Peer Avg: $5,488
#2262 of 2596
Bottom 12.9% in <100M tier
2238
Total Loans
balance_sheet
Value:
$1.36M
Peer Avg: $15.77M
#2238 of 2596
Bottom 13.8% in <100M tier
2107
Total Members
engagement
Value:
677
Peer Avg: 2,626
#2107 of 2596
Bottom 18.9% in <100M tier