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
Call Report peers
NAVIGATOR in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); NAVIGATOR sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
NAVIGATOR: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.84% here, 72.20% peer average (+16.64 pp).
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.
- One place up in Mississippi, RIVERTRUST (#8) ties at 93/100; one place down, ECM (#10) ties at 93/100.
NAVIGATOR: 2025Q4 → 2026Q1
NAVIGATOR: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $386.3M (2025Q4) to $398.8M (2026Q1).
- Net-worth ratio shifted -0.29 pp (18.19% → 17.90%).
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
NAVIGATOR gives up 7 points in total. Member Growth costs the most, 4.8 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is NAVIGATOR financially healthy?
NAVIGATOR has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #580 of 4,374 nationally on health and #9 of 55 in Mississippi. Its net worth ratio is 17.90% and its delinquency rate 0.70%.
How does NAVIGATOR compare to other credit unions?
NAVIGATOR scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.84% vs 72.20%).
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?
NAVIGATOR is a federal 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. NAVIGATOR's net worth ratio of 17.90% 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.