State credit union · Corsicana, Texas · NCUA charter #67407
NAVARRO
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.8M
- Total assets
- 673
- Members
- 42.1%
- Net-worth ratio
NAVARRO scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 673; net-worth ratio 42.15%; health rank #862 of 4,374; healthier than 77th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#862 of 4,374 health · 2025Q4NAVARRO · health 91/100 · $2.8M · 2025Q4
- NW 91/100
- DELQ 42.1%
- ROA 0.85%
- ASSETS 0.77%
- MEM $2.8M
- RANK 673
- PHOTO #862/4,374
- BOOK n/a
- CHARTER 67407
Call Report peers
NAVARRO carries $2.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NAVARRO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
NAVARRO - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #67407 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
NAVARRO: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 87.61% vs peer 63.60% (+24.01 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where NAVARRO sits in Texas
- In Texas, health place is #78 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #368 of 386 inside Texas ($2.8M reported).
- Member book place in Texas: #348 of 386.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for NAVARRO
NAVARRO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.3% from $2.8M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +0.80 pp (41.35% → 42.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
42.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 42.15% | +23.09 pp |
| Delinquency Rate | 0.85% | -0.96 pp |
| Return on Assets | 0.77% | +0.31 pp |
| Member Growth | 0.15% | - |
| Loan-to-Share Ratio | 87.61% | +24.01 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - NAVARRO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.8M | 673 |
| 2024Q4 | $2.8M | 672 |
| 2023Q4 | $3.2M | 694 |
Credit Union Details
- Charter Number
- 67407
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Corsicana
- Data Quarter
- 2025Q4
Branch Location
NAVARRO operates a single office in Corsicana, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Navarro Credit Union (Main Office) | Corsicana, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
NAVARRO nationwide neighbourhoods
Cross-state asset and health neighbours for NAVARRO - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- NAVARRO ranks #862 of 4,374 nationally on financial health and #78 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jafari No-Interest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jafari No-Interest
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is NAVARRO financially healthy?
NAVARRO scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #862 of 4,374; by total assets it ranks #4,069 of 4,374 nationally (same basis as /rankings/largest); and #368 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 42.15% net worth ratio and a 0.85% delinquency rate.
How does NAVARRO compare to other credit unions?
NAVARRO scores 91/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join NAVARRO?
Membership eligibility for NAVARRO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NAVARRO directly for current membership requirements and application steps.
Is my money safe at NAVARRO?
Federal credit unions like NAVARRO are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. NAVARRO's net worth ratio of 42.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NAVARRO offer compared to banks?
Credit unions like NAVARRO are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact NAVARRO directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.