Naveo

SOMERVILLE, MA · 2 · Charter #68046 · www.naveo.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$172.4M
80th percentile
Members
6,701
42th percentile
Total loans
$109.1M
81th percentile
Total shares
$151.3M
82th percentile

Profitability

Return on assets
-0.07%
3th percentile
Net interest margin
3.35%
33th percentile
Efficiency ratio
73.47%
17th percentile
Non-interest income ratio
8.80%
11th percentile

Capital & Risk

Net worth ratio
8.59%
7th percentile
Delinquency rate
0.37%
74th percentile
Net charge-off rate
0.12%
81th percentile
Loan-to-share
72.09%
57th percentile

Growth

Member growth YoY
-4.57%
13th percentile
Asset growth YoY
0.65%
24th percentile
Loan growth YoY
2.84%
58th percentile
Share growth YoY
-1.59%
15th percentile

Operations

Members / branch
3,351
56th percentile
Assets / member
$25,727
94th percentile
Field of membership penetration
22.34%
72th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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