Navy Federal Credit Union

VIENNA, VA · 1 · Charter #5536 · www.navyfcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$197.2B
95th percentile
Members
15,139,001
95th percentile
Total loans
$142.6B
95th percentile
Total shares
$166.6B
95th percentile

Profitability

Return on assets
2.42%
95th percentile
Net interest margin
4.77%
95th percentile
Efficiency ratio
43.25%
33th percentile
Non-interest income ratio
14.83%
48th percentile

Capital & Risk

Net worth ratio
11.36%
81th percentile
Delinquency rate
1.97%
14th percentile
Net charge-off rate
2.27%
5th percentile
Loan-to-share
85.62%
33th percentile

Growth

Member growth YoY
6.12%
76th percentile
Asset growth YoY
9.04%
57th percentile
Loan growth YoY
5.77%
43th percentile
Share growth YoY
9.70%
76th percentile

Operations

Members / branch
39,527
80th percentile
Assets / member
$13,024
10th percentile
Field of membership penetration
8.23%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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