Federal credit union · Pascagoula, Mississippi · NCUA charter #24954
NAVIGATOR
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $386.3M
- Total assets
- 47,453
- Members
- 17.9%
- Net-worth ratio
NAVIGATOR scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $386.3M; members 47,453; net-worth ratio 17.90%; health rank #580 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#580 of 4,374 health · 2025Q4NAVIGATOR · health 93/100 · $386.3M · 2025Q4
- NCUSIF 93/100
- CAMELS 17.9%
- HEALTH 0.70%
- NW 0.69%
- DELQ $386.3M
- ROA 47,453
- ASSETS #580/4,374
- MEM Sea West Coast Guard
- RANK 24954
Call Report peers
NAVIGATOR in the assets neighbourhood
NAVIGATOR's $386.3M assets sit next to Sea West Coast Guard ($386.2M) 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.
NAVIGATOR 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
93 Top 16% higher than 84% 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
NAVIGATOR - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24954: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
NAVIGATOR: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.84% here, 72.20% peer average (+16.64 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for NAVIGATOR
- Health composite ranks #9 of 55 among scored Mississippi credit unions.
- Assets rank #5 of 55 inside Mississippi ($386.3M reported).
- Member book place in Mississippi: #2 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
NAVIGATOR: 2025Q4 → 2026Q1
NAVIGATOR: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $386.3M (2025Q4) to $398.8M (2026Q1).
- Net-worth ratio shifted -0.29 pp (18.19% → 17.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 17.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.90% | +5.79 pp |
| Delinquency Rate | 0.70% | -0.20 pp |
| Return on Assets | 0.69% | +0.07 pp |
| Member Growth | 0.98% | - |
| Loan-to-Share Ratio | 88.84% | +16.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
NAVIGATOR quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $398.8M | - |
| 2025Q4 | $386.3M | 47,453 |
| 2024Q4 | $400.9M | 46,994 |
| 2023Q4 | $378.8M | 45,962 |
Credit Union Details
- Charter Number
- 24954
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Mississippi
- City
- Pascagoula
- Data Quarter
- 2025Q4
Branch Locations (13)
The NCUA branch filing lists 13 physical offices for NAVIGATOR, spread across 9 cities in 2 states.
| Office | City |
|---|---|
| Moss Point Branch (Main Office) | Moss Point, MS |
| Daphne | Daphne, AL |
| D'Iberville | Diberville, MS |
| Gautier Branch | Gautier, MS |
| IT Building | Gautier, MS |
| Gulfport Branch | Gulfport, MS |
| Midtown | Mobile, AL |
| Cottage Hill | Mobile, AL |
| Schillinger Branch | Mobile, AL |
| Hurley Branch | Moss Point, MS |
| Ocean Springs Branch | Ocean Springs, MS |
| Jackson Ave Branch | Pascagoula, MS |
| Vancleave New Branch | Vancleave, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
NAVIGATOR nationwide neighbourhoods
Two NCUA Call Report peer sets for NAVIGATOR, both outside Mississippi so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($386.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- NAVIGATOR ranks #580 of 4,374 nationally on financial health and #9 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Singing River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Singing River
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 NAVIGATOR financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - NAVIGATOR's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #580 of 4,374; by total assets it ranks #888 of 4,374 nationally (same basis as /rankings/largest); and #5 of 55 within Mississippi. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.90% net worth ratio and 0.70% delinquency rate are the key drivers.
How does NAVIGATOR compare to other credit unions?
PlainCU's health composite puts NAVIGATOR at 93/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 NAVIGATOR?
NAVIGATOR operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact NAVIGATOR directly for the exact boundaries and application steps.
Is my money safe at NAVIGATOR?
Federal credit unions like NAVIGATOR 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. NAVIGATOR's net worth ratio of 17.90% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NAVIGATOR offer compared to banks?
Credit unions like NAVIGATOR 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 NAVIGATOR 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.