State credit union · SOMERVILLE, Massachusetts · NCUA charter #68046
NAVEO
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $172.4M
- Total assets
- 6,701
- Members
- 8.6%
- Net-worth ratio
NAVEO scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $172.4M; members 6,701; net-worth ratio 8.56%; health rank #3,364 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,364 of 4,374 health · 2025Q4NAVEO · health 74/100 · $172.4M · 2025Q4
Call Report peers
NAVEO in the assets neighbourhood
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NAVEO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NAVEO sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for NAVEO
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.52 pp (0.37% vs 0.89%).
- Net Worth Ratio trails the peer set - 8.56% here, 12.11% peer average (-3.55 pp).
Massachusetts standing for NAVEO
- Massachusetts health ordinal: #103 of 126.
- By total assets, NAVEO is #47 of 126 in Massachusetts.
- Member book place in Massachusetts: #53 of 126.
- One place up in Massachusetts, Mass Bay (#102) ties at 74/100; one place down, Metrowest Community (#104) scores 73/100, 1 point lower.
NAVEO: 2025Q4 → 2026Q1
NAVEO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $172.4M (2025Q4) to $174.6M (2026Q1).
- Net-worth ratio shifted -0.02 pp (8.58% → 8.56%).
At 8.56%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
NAVEO gives up 26 points in total. Member Growth costs the most, 14.2 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 26.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.7 pts
- Member Growth 0.8 pts
- Loan-to-Share Ratio 15.1 pts
NAVEO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.56% | -3.55 pp |
| Delinquency Rate | 0.37% | -0.52 pp |
| Return on Assets | 0.05% | -0.57 pp |
| Member Growth | -4.57% | - |
| Loan-to-Share Ratio | 72.09% | -0.11 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
NAVEO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $174.6M | - |
| 2025Q4 | $172.4M | 6,701 |
| 2024Q4 | $171.3M | 7,022 |
| 2023Q4 | $170.3M | 7,025 |
Credit Union Details
- Charter Number
- 68046
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- SOMERVILLE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for NAVEO, spread across 2 cities.
| Office | City |
|---|---|
| Somerville (Main Office) | Somerville, MA |
| Cambridge | Cambridge, MA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Massachusetts
A look at other Massachusetts credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near NAVEO
Using this data
- NAVEO ranks #3,364 of 4,374 nationally on financial health and #103 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HOMEFIELD is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HOMEFIELD
Frequently Asked Questions
Is NAVEO financially healthy?
NAVEO has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,364 of 4,374 nationally on health and #103 of 126 in Massachusetts. Its net worth ratio is 8.56% and its delinquency rate 0.37%.
How does NAVEO compare to other credit unions?
NAVEO scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.37% vs 0.89%). Its widest shortfall is net worth ratio (8.56% vs 12.11%).
How can I join NAVEO?
Membership eligibility for NAVEO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NAVEO directly for current membership requirements and application steps.
Is my money safe at NAVEO?
NAVEO is a state-chartered credit union; its shares are federally 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. NAVEO's net worth ratio of 8.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.