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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#543 of 4,374 health · 2025Q4NAVIGANT · health 94/100 · $4.09B · 2025Q4
- ASSETS 94/100
- MEM 9.9%
- RANK 0.50%
- PHOTO 0.41%
- BOOK $4.09B
- CHARTER 166,946
- NCUSIF #543/4,374
- CAMELS COVANTAGE
- HEALTH 62882
Call Report peers
NAVIGANT in the assets neighbourhood
NAVIGANT's $4.09B assets sit next to COVANTAGE ($4.10B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% 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
NAVIGANT - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62882, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for RI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
NAVIGANT Call Report trajectory
NAVIGANT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $4.09B (2025Q4) to $4.18B (2026Q1).
- Net-worth ratio shifted -0.01 pp (9.94% → 9.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for NAVIGANT - kept outside Rhode Island; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.09B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Rhode Island credit unions compare overall before assuming this one is typical. Rhode Island 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 NAVIGANT financially healthy?
NAVIGANT scores 94/100 (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 #543 of 4,374; by total assets it ranks #123 of 4,374 nationally (same basis as /rankings/largest); and #1 of 14 within Rhode Island. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.93% net worth ratio and a 0.50% delinquency rate.
How does NAVIGANT compare to other credit unions?
NAVIGANT scores 94/100 on PlainCU's health composite, compared to a peer group average for Over $500M 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 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?
Federal credit unions like NAVIGANT 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. NAVIGANT's net worth ratio of 9.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NAVIGANT offer compared to banks?
Credit unions like NAVIGANT 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 NAVIGANT 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.