State credit union · Smithfield, Rhode Island · NCUA charter #62882
NAVIGANT
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $4.09B
- Total assets
- 166,946
- Members
- 9.9%
- Net-worth ratio
NAVIGANT scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.09B; members 166,946; net-worth ratio 9.93%; health rank #543 of 4,374; healthier than 87th of scored peers.
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NCUA 5300 Call Report Masthead
#543 of 4,374 health · 2025Q4NAVIGANT · health 94/100 · $4.09B · 2025Q4
Call Report peers
NAVIGANT in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NAVIGANT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NAVIGANT sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
NAVIGANT vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +17.17 pp (101.07% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.25 pp (9.93% vs 11.18%).
Where NAVIGANT sits in Rhode Island
- In Rhode Island, health place is #3 of 14 on the same NCUA-ratio sort used nationally.
- By total assets, NAVIGANT is #1 of 14 in Rhode Island.
- Membership ranks #1 of 14 among Rhode Island CUs with a reported count (166,946 members).
- One place up in Rhode Island, Pawtucket Municipal Employees (#2) ties at 94/100; one place down, COASTAL1 (#4) scores 86/100, 8 points lower.
NAVIGANT Call Report trajectory
NAVIGANT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $4.09B (2025Q4) to $4.18B (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.94% → 9.93%).
At 9.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 94/100 score is built
NAVIGANT gives up 6 points in total. Loan-to-Share Ratio costs the most, 4.9 of its 15; Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 29.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.93% | -1.25 pp |
| Delinquency Rate | 0.50% | -0.37 pp |
| Return on Assets | 0.41% | -0.10 pp |
| Member Growth | 5.72% | - |
| Loan-to-Share Ratio | 101.07% | +17.17 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
NAVIGANT filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.18B | - |
| 2025Q4 | $4.09B | 166,946 |
| 2024Q4 | $3.92B | 157,913 |
| 2023Q4 | $3.76B | 148,129 |
Credit Union Details
- Charter Number
- 62882
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Rhode Island
- City
- Smithfield
- Data Quarter
- 2025Q4
Branch Locations (27)
NAVIGANT operates 27 offices across 22 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Center (Main Office) | Smithfield, RI |
| Central Falls | Central Falls, RI |
| Disaster Recovery | Central Falls, RI |
| Chepachet | Chepachet, RI |
| Cranston | Cranston, RI |
| Chapel Four Corners | Cumberland, RI |
| Cumberland Hill | Cumberland, RI |
| Coventry Crossing | East Greenwich, RI |
| East Greenwich | East Greenwich, RI |
| Greenville | Greenville, RI |
| Lincoln | Lincoln, RI |
| Manville | Manville, RI |
| Slatersville | N Smithfield, RI |
| North Kingstown | North Kingstown, RI |
| North Providence | North Providence, RI |
| Pawtucket | Pawtucket, RI |
| Providence | Providence, RI |
| Riverside | Riverside, RI |
| Rumford | Rumford, RI |
| Scituate | Scituate, RI |
| Smithfield | Smithfield, RI |
| Wakefield | Wakefield, RI |
| Warren | Warren, RI |
| Warwick | Warwick, RI |
| Warwick Plaza | Warwick, RI |
| Westerly | Westerly, RI |
| Woonsocket | Woonsocket, RI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Rhode Island
More federally-insured credit unions based in Rhode Island, ordered by peer group match and asset size.
Other-state peers near NAVIGANT
Using this data
- NAVIGANT ranks #543 of 4,374 nationally on financial health and #3 of 14 in RI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- COASTAL1 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with COASTAL1
Frequently Asked Questions
Is NAVIGANT financially healthy?
NAVIGANT has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #543 of 4,374 nationally on health and #3 of 14 in Rhode Island. Its net worth ratio is 9.93% and its delinquency rate 0.50%.
How does NAVIGANT compare to other credit unions?
NAVIGANT scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (101.07% vs 83.90%). Its widest shortfall is net worth ratio (9.93% vs 11.18%).
How can I join NAVIGANT?
Membership eligibility for NAVIGANT depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NAVIGANT directly for current membership requirements and application steps.
Is my money safe at NAVIGANT?
NAVIGANT 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. NAVIGANT's net worth ratio of 9.93% 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.