Federal credit union · VIENNA, Virginia · NCUA charter #5536

Navy Federal Credit Union

Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

88
Health / 100
$197.17B
Total assets
15,139,001
Members
11.4%
Net-worth ratio
A Letter grade on the five-factor composite

Navy Federal Credit Union scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $197.17B; members 15,139,001; net-worth ratio 11.37%; health rank #1,467 of 4,374; healthier than 65th of scored peers.

NCUA Call Report stamp band

NCUA 5300 Call Report Masthead

#1,467 of 4,374 health · 2025Q4

Navy Federal Credit Union · health 88/100 · $197.17B · 2025Q4

  • NCUSIF 88/100
  • CAMELS 11.4%
  • HEALTH 1.97%
  • NW 0.87%
  • DELQ $197.17B
  • ROA 15,139,001
  • ASSETS #1,467/4,374
  • MEM State Employees'
  • RANK 5536

Navy Federal Credit Union in the assets neighbourhood

Navy Federal Credit Union (this)Navy Federal Credit Union (t…$197.17BState Employees'$58.12BSCHOOLSFIRST$35.38BBoeing Employees$29.36BAmerica First$23.79BMountain America$21.86B
Nearest other-state credit unions by total assets (NCUA 5300)

Navy Federal Credit Union's $197.17B assets sit next to State Employees' ($58.12B) 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.

Navy Federal Credit Union 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

88 Top 35% higher than 65% 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

Navy Federal Credit Union - Share Insurance Coverage

Charter #5536's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.

NCUSIF coverage gauge for Navy Federal Credit Union Share insurance under NCUSIF covers up to $250,000 per share owner. Navy Federal Credit Union holds approximately $166.6B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.4 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.4% · $166.6B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Where Navy Federal Credit Union diverges from peer averages

  • Largest favorable gap: Loan-to-Share Ratio at 85.62% vs peer 83.90% (+1.72 pp).
  • Widest shortfall vs peers is Delinquency Rate: +1.09 pp (1.97% vs 0.87%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Where Navy Federal Credit Union sits in Virginia

  • Virginia health ordinal: #26 of 95.
  • By total assets, Navy Federal Credit Union is #1 of 95 in Virginia.
  • Member book place in Virginia: #1 of 95.

In-state ordinals use the live credit_unions table for VA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

Quarter path for Navy Federal Credit Union

Navy Federal Credit Union: total assets by quarter

4 Call Report filings on this page's own vintage chain

160,000,000,000170,000,000,000180,000,000,000190,000,000,000200,000,000,000210,000,000,000 2023Q42024Q42025Q42026Q1 170,801,084,823 203,558,954,708 ▲ +19.2%
  • Assets moved +3.2% from $197.17B (2025Q4) to $203.56B (2026Q1).
  • Net-worth ratio shifted +0.01 pp (11.36% → 11.37%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 75.8%

This credit union's 11.37% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

How the 88/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 88.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 12.7 pts
  • Return on Assets 15.0 pts
  • Member Growth 15.0 pts
  • Loan-to-Share Ratio 15.3 pts

Navy Federal Credit Union vs peer ratios

Metric Value vs peer
Net Worth Ratio 11.37% +0.19 pp
Delinquency Rate 1.97% +1.09 pp
Return on Assets 0.87% +0.36 pp
Member Growth 6.12% -
Loan-to-Share Ratio 85.62% +1.72 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).

Navy Federal Credit Union filing history

Quarter Assets Members
2026Q1 $203.56B -
2025Q4 $197.17B 15,139,001
2024Q4 $180.81B 14,266,170
2023Q4 $170.80B 13,342,112

Credit Union Details

Charter Number
5536
Type
Federal
Field of Membership
Other
Peer Group
Over $500M
State
Virginia
City
VIENNA
Data Quarter
2025Q4

Branch Locations (383)

Navy Federal Credit Union operates 383 offices across 273 cities, spanning 33 states, per its most recent NCUA branch filing.

Office City
Cutler Dawson Headquarter Campus (Main Office) Vienna, VA
Accokeek MD Accokeek, MD
MCLB Albany GA Relo Albany, GA
Albany GA Albany, GA
Albuquerque NM Albuquerque, NM
Hybla Valley-Alexandria VA Alexandria, VA
Potomac Yard-Alexandria VA Alexandria, VA
Hilltop Vlg-Alexandria VA Alexandria, VA
Allen TX Allen, TX
Allen Park MI Allen Park, MI
Alpharetta GA Alpharetta, GA
Altamonte Springs FL Altamonte Springs, FL
Annapolis MD Annapolis, MD
Henry J Sanford Annapolis, MD
NSA Annapolis MD Annapolis, MD
Apple Valley CA Apple Valley, CA
Ballston VA Arlington, VA
Crystal City VA Arlington, VA
Arlington TX Arlington, TX
Rosslyn VA Arlington, VA
Ashburn VA Ashburn, VA
Brookhaven GA Atlanta, GA
Vinings - Atlanta GA Atlanta, GA
Camp Creek Pkwy-ATL GA Atlanta, GA
Atlantic Beach FL Atlantic Beach, FL
Augusta GA Augusta, GA
Aurora CO Aurora, CO
NAF Atsugi Japan Ayasa-Shi
Rosedale MD Baltimore, MD
Beaufort SC Beaufort, SC
Bellevue NE Bellevue, NE
Bensalem PA Bensalem, PA
NSA Bethesda MD Bethesda, MD
Walter Reed NMMC MD Bethesda, MD
Bowie MD Bowie, MD
Brandywine MD Brandywine, MD
Brea CA Brea, CA
Bremerton WA Relo Bremerton, WA
Buford GA Buford, GA
Burke VA Burke, VA
Burleson TX Burleson, TX
Cameron NC Cameron, NC
Capitol Heights MD Capitol Heights, MD
USAG Carlisle Barracks PA Carlisle, PA
NSA Naples Italy Caserta
Centennial CO Centennial, CO
Centreville Sq II-Centreville VA Centreville, VA
Chandler AZ Chandler, AZ
NSA Souda Bay Greece Chania
Chantilly VA Chantilly, VA
Charleston SC Charleston, SC
Cherry Hill NJ Cherry Hill, NJ
Gainsborough-Chesapeake VA Chesapeake, VA
Greenbrier-Chesapeake VA Chesapeake, VA
Hanbury Vlg-Chesapeake VA Chesapeake, VA
Cahoon Cmns-Chesapeake VA Chesapeake, VA
Jolliff-Chesapeake VA Chesapeake, VA
Camp Carroll Korea Chilgok-Gun
Eastlake CA Chula Vista, CA
Bonita CA Chula Vista, CA
Chula Vista CA Chula Vista, CA
North Clarksville TN Clarksville, TN
Central Clarksville TN Clarksville, TN
North Clearwater Clearwater, FL
AJC Fed Bldg Cleveland OH Cleveland, OH
Clinton MD Clinton, MD
Colonial Heights VA Colonial Heights, VA
East Colorado Springs CO Colorado Springs, CO
North Colorado Springs CO Colorado Springs, CO
NWS Earle NJ Colts Neck, NJ
Forest Acres-Columbia SC Columbia, SC
Pontiac Columbia SC Columbia, SC
Columbia MD Columbia, MD
North Columbus GA Columbus, GA
Central Columbus GA Columbus, GA
Conyers GA Conyers, GA
Copperas Cove TX Copperas Cove, TX
Cordova TN Cordova, TN
Corona CA Corona, CA
Debbie Dawson Coronado, CA
Corpus Christi TX Corpus Christi, TX
Cypress TX Cypress, TX
Camp Walker Korea Daegu
Dale City Dale City, VA
Northeast Dallas TX Dallas, TX
D'Iberville MS DIberville, MS
Camp Lemonnier Djibouti Djibouti City
Douglasville GA Douglasville, GA
Duncanville TX Duncanville, TX
Durham NC Durham, NC
El Cajon CA El Cajon, CA
Rancho San Diego CA El Cajon, CA
Crosspointe El Paso TX El Paso, TX
East El Paso TX El Paso, TX
Concourse Plaza-El Paso TX El Paso, TX
West El Paso TX El Paso, TX
USCG Elizabeth City NC Elizabeth City, NC
Elizabethtown KY Elizabethtown, KY
Enterprise AL Enterprise, AL
Euless TX Euless, TX
Evans Mills NY Evans Mills, NY
NS Everett WA Everett, WA
Fairfax VA Fairfax, VA
Fairview Park OH Fairview Park, OH
NAS Fallon NV Fallon, NV
Falls Church VA Falls Church, VA
Skibo Rd-Fayetteville NC Fayetteville, NC
Raeford Rd Fayetteville NC Fayetteville, NC
Fayetteville GA Fayetteville, GA
Fleming Island FL Fleming Island, FL
USAG Fort Irwin CA Fort Irwin, CA
USAG Fort Meade MD Fort Meade, MD
Fort Riley KS Fort Riley, KS
NAS JRB Ft Worth TX Fort Worth, TX
Keller-Ft Worth TX Fort Worth, TX
Fountain CO Fountain, CO
Fountain Valley CA Fountain Valley, CA
Frederick MD Frederick, MD
USAG Fort Detrick MD Frederick, MD
Fredericksburg VA Fredericksburg, VA
South Fredericksburg VA Fredericksburg, VA
West Fredericksburg VA Fredericksburg, VA
Gainesville VA Gainesville, VA
Gaithersburg MD Gaithersburg, MD
Gambrills MD Gambrills, MD
Garland TX Garland, TX
Garner NC Garner, NC
Germantown MD Germantown, MD
Glen Burnie MD Glen Burnie, MD
Glenarden MD Glenarden, MD
Glendale AZ Glendale, AZ
Goodyear AZ Goodyear, AZ
Goose Creek SC Goose Creek, SC
NS Great Lakes IL Great Lakes, IL
USN Recruit Command IL Great Lakes, IL
Nautilus Park-NSB NL CT Groton, CT
Lower Base NSB New London CT Groton, CT
Grovetown GA Grovetown, GA
NS Guantanamo Bay Cuba Guantanamo Bay
Gulf Breeze FL Gulf Breeze, FL
Gulfport MS Gulfport, MS
NCBC Gulfport MS Gulfport, MS
Gurnee IL Gurnee, IL
Hampton VA Hampton, VA
Peninsula Tn Ctr-Hampton VA Hampton, VA
Harker Heights TX Harker Heights, TX
Havelock NC Havelock, NC
Hawthorne CA Hawthorne, CA
Helotes TX Helotes, TX
Henderson NV Henderson, NV
Highland Falls NY Highland Falls, NY
Hinesville GA Hinesville, GA
NS Pearl Harbor HI Honolulu, HI
Hickam HI Honolulu, HI
Horsham PA Horsham, PA
Meyerland TX Houston, TX
Wayside-Houston TX Houston, TX
Oak Creek Village-Houston TX Houston, TX
Humble TX Humble, TX
NSF Indian Head MD Indian Head, MD
Inglewood CA Inglewood, CA
MCAS Iwakuni Japan Iwakuni
Western-Jacksonville NC Jacksonville, NC
Orange Park-Jacksonville FL Jacksonville, FL
Ortega-Jacksonville FL Jacksonville, FL
Regency-Jacksonville FL Jacksonville, FL
St Johns Sq-Jacksonville FL Jacksonville, FL
Yopp Road-Jacksonville NC Jacksonville, NC
NS Mayport FL Jacksonville, FL
River City-Jacksonville FL Jacksonville, FL
Avenues-Jacksonville FL Jacksonville, FL
Brooklyn-Jacksonville FL Jacksonville, FL
Oakleaf-Jacksonville FL Jacksonville, FL
Junction City KS Relo Junction City, KS
Kailua HI Kailua, HI
Kapolei HI Kapolei, HI
Katy TX Katy, TX
Kennesaw GA Kennesaw, GA
Fox Creek- Killeen TX Killeen, TX
Central Killeen TX Killeen, TX
NSB Kings Bay GA Kings Bay, GA
Merchant Marine Academy NY Kings Point, NY
NAS Kingsville TX Kingsville, TX
Kissimmee FL Kissimmee, FL
La Mesa CA La Mesa, CA
Lacey WA Lacey, WA
Lake Elsinore CA Lake Elsinore, CA
Lakewood WA Lakewood, WA
Lakewood CO Lakewood, CO
North Decatur-Las Vegas NV Las Vegas, NV
Arroyo Market-Las Vegas NV Las Vegas, NV
Laurel MD Laurel, MD
Lawton OK Lawton, OK
Leavenworth KS Leavenworth, KS
Leesville LA Leesville, LA
Lemoore CA Lemoore, CA
NAS Lemoore CA Lemoore, CA
Lexington Park MD Lexington Park, MD
Long Beach CA Long Beach, CA
Lutz FL Lutz, FL
Lynnwood WA Lynnwood, WA
Manassas VA Manassas, VA
Bull Run Plz-Manassas VA Manassas, VA
Manhattan KS Manhattan, KS
Mansfield TX Mansfield, TX
Maplewood MO Maplewood, MO
Mary Esther FL Mary Esther, FL
Smokey Point-NS Everett WA Marysville, WA
Matthews NC Matthews, NC
Mayfield Heights OH Mayfield Heights, OH
McDonough GA McDonough, GA
NAS Meridian MS Meridian, MS
Mesa AZ Mesa, AZ
Mesquite TX Mesquite, TX
Midlothian VA Midlothian, VA
Piney Green-Jacksonville NC Midway Park, NC
Midwest City OK Midwest City, OK
Mililani HI Mililani, HI
Millington TN Millington, TN
Misawa AB Japan Misawa
Mission Viejo CA Mission Viejo, CA
Montclair VA Montclair, VA
NSA Monterey CA Monterey, CA
Montgomery AL Montgomery, AL
Moyock NC Moyock, NC
Murrieta CA Murrieta, CA
National City CA National City, CA
Coast Guard Academy CT New London, CT
Federal City New Orleans LA New Orleans, LA
Newnan GA Newnan, GA
NS Newport RI Newport, RI
Denbigh VA Newport News, VA
Oyster Point VA Newport News, VA
NH18-NSA Hampton Roads VA Norfolk, VA
Janaf VA Norfolk, VA
Lascara Norfolk, VA
Newtown-Norfolk VA Norfolk, VA
NS Norfolk VA Norfolk, VA
North Charleston SC North Charleston, SC
North Miami FL North Miami, FL
O'Fallon IL O Fallon, IL
Oak Grove KY Oak Grove, KY
Oak Harbor WA Oak Harbor, WA
NAS Whidbey Island WA Oak Harbor, WA
Rancho del Oro-Oceanside CA Oceanside, CA
San Luis Rey-Oceanside CA Oceanside, CA
South Oceanside CA Oceanside, CA
Camp Foster Japan Okinawa
Camp Hansen Japan Okinawa
Camp Schwab Japan Okinawa
MCAS Futenma Japan Okinawa
Ontario CA Ontario, CA
Research Park-Orlando FL Orlando, FL
Millenia-Orlando FL Orlando, FL
Pace FL Pace, FL
NSA Panama City FL Panama City Beach, FL
MCRD Parris Island SC Parris Island, SC
Pearland TX Pearland, TX
Pembroke Pines FL Pembroke Pines, FL
Navy Blvd-Pensacola FL Pensacola, FL
Davis Hwy-Pensacola FL Pensacola, FL
Heritage Oaks-Pensacola FL Pensacola, FL
Hwy 98 Pensacola FL Pensacola, FL
Nine Mile RD Pensacola FL Pensacola, FL
The Pentagon DC Pentagon, DC
South Philadelphia PA Philadelphia, PA
Camelback AZ Phoenix, AZ
North Phoenix AZ Phoenix, AZ
NBVC Point Mugu CA Point Mugu NAWC, CA
Pooler GA Pooler, GA
Port Hueneme CA Port Hueneme, CA
NBVC Port Hueneme CA Port Hueneme, CA
Port Orchard WA Port Orchard, WA
Churchland VA Portsmouth, VA
Portsmouth VA Portsmouth, VA
NMC Portsmouth VA Portsmouth, VA
Poulsbo WA Poulsbo, WA
Puyallup WA Puyallup, WA
Osan Korea Pyeongtaek City, APO, AP
Camp Humphreys Korea Pyongtaek-Si
Radcliff KY Radcliff, KY
Brier Creek Pkwy Raleigh NC Raleigh, NC
Triangle Tn Ctr Raleigh NC Raleigh, NC
Reston VA Reston, VA
Richlands NC Richlands, NC
North Richmond VA Richmond, VA
Ridgecrest CA Ridgecrest, CA
Riverside CA Riverside, CA
North Riverview FL Riverview, FL
Rockville MD Rockville, MD
NS Rota Spain Rota
Round Rock TX Round Rock, TX
St. Marys GA Saint Marys, GA
St Robert MO Saint Robert, MO
Westover-San Antonio TX San Antonio, TX
Fox Run-San Antonio TX San Antonio, TX
The Quarry-San Antonio TX San Antonio, TX
San Bernardino CA San Bernardino, CA
Imperial Ave-San Diego CA San Diego, CA
Liberty Station CA San Diego, CA
Sorrento Valley CA San Diego, CA
MCAS Miramar CA San Diego, CA
Rancho Bernardo CA San Diego, CA
Southland Plz-San Diego CA San Diego, CA
Mira Mesa CA San Diego, CA
Tierrasanta CA San Diego, CA
Mission Valley CA San Diego, CA
NB Point Loma CA San Diego, CA
Clairemont Mesa CA San Diego, CA
NB San Diego CA San Diego, CA
Pacific Beacon-NBSD CA San Diego, CA
Palm Promenade-San Diego CA San Diego, CA
San Marcos CA San Marcos, CA
Sandy Springs GA Sandy Springs, GA
Santa Ana CA Santa Ana, CA
NB Guam Santa Rita, GU
Santee CA Santee, CA
NSA Saratoga Springs NY Saratoga Springs, NY
USFA Sasebo Japan Sasebo
Satellite Beach FL Satellite Beach, FL
Savannah GA Savannah, GA
Schaumburg IL Schaumburg, IL
Navy Region Singapore Sembawang
Sierra Vista AZ Sierra Vista, AZ
NAS Sigonella Italy Sigonella, Sicily
Silverdale WA Silverdale, WA
Snellville GA Snellville, GA
Southaven MS Southaven, MS
Spring TX Spring, TX
Springfield VA Springfield, VA
St Petersburg FL St Petersburg, FL
Garrisonville VA Stafford, VA
Lee Gound Stafford, VA
Sterling VA Sterling, VA
Stockbridge GA Stockbridge, GA
Suffolk VA Suffolk, VA
Sugar Land TX Sugar Land, TX
North Summerville SC Summerville, SC
Swansboro NC Swansboro, NC
Tacoma WA TACOMA, WA
South Tampa FL Tampa, FL
North Tampa FL Tampa, FL
Carrollwood Tampa, FL
North Temecula CA Temecula, CA
South Temecula CA Temecula, CA
The Colony TX The Colony, TX
Tucker GA Tucker, GA
Twentynine Palms CA Twentynine Palms, CA
Camp Kinser Japan Urasoe City Okinawa
Camp Courtney Japan Uruma City Okinawa
Vacaville CA Vacaville, CA
Thomas J Hughes Vienna, VA
Kempsville-VA Beach Virginia Beach, VA
Lake Shores Plz-VA Beach VA Virginia Beach, VA
Lynnhaven-VA Beach Virginia Beach, VA
Pembroke-VA Beach Virginia Beach, VA
Salem Rd-VA Beach Virginia Beach, VA
NAS Dam Neck Annex VA Virginia Beach, VA
NAS Oceana VA Virginia Beach, VA
Red Mill-VA Beach Virginia Beach, VA
North Landing-VA Beach Virginia Beach, VA
Holland Rd - VA Beach Virginia Beach, VA
Hilltop-VA Beach Virginia Beach, VA
JEB Little Crk - Ft Story VA Virginia Beach, VA
Waldorf MD Waldorf, MD
NMIC Suitland MD Washington, DC
Washington Navy Yard DC Washington, DC
Webster TX Webster, TX
West Covina CA West Covina, CA
Westworth Village TX Westworth Village, TX
White Sands MR NM White Sands, NM
Williamsburg VA Williamsburg, VA
North Winchester VA Winchester, VA
South Winchester VA Winchester, VA
Winter Park FL Winter Park, FL
Woodbridge VA Woodbridge, VA
Kenneth R Burns Woodbridge, VA
USFA Yokosuka Japan Yokosuka
Yokota AB Japan Yokota
USCG Yorktown VA Yorktown, VA
Yuma AZ Yuma, AZ
MCAS Yuma AZ Yuma, AZ
Camp Zama Japan Zama-shi

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in Virginia

More federally-insured credit unions based in Virginia, ordered by peer group match and asset size.

Compare Navy Federal Credit Union vs PENTAGON

Navy Federal Credit Union nationwide neighbourhoods

Navy Federal Credit Union's nationwide photo peers by assets and by health score, excluding Virginia charters.

Similar health score

Nearest other-state credit unions by five-factor health composite (88/100 here).

Using this data

  • Navy Federal Credit Union ranks #1,467 of 4,374 nationally on financial health and #26 of 95 in VA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • PENTAGON is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PENTAGON
  • Rates and health both vary by institution, not just by state -- see how Virginia credit unions compare overall before assuming this one is typical. Virginia 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 Navy Federal Credit Union financially healthy?

Navy Federal Credit Union has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,467 of 4,374; by total assets it ranks #1 of 4,374 nationally (same basis as /rankings/largest); and #1 of 95 within Virginia. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.37% and delinquency rate of 1.97%.

How does Navy Federal Credit Union compare to other credit unions?

88/100 is Navy Federal Credit Union's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Navy Federal Credit Union?

Membership eligibility for Navy Federal Credit Union depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Navy Federal Credit Union directly for current membership requirements and application steps.

Is my money safe at Navy Federal Credit Union?

Federal credit unions like Navy Federal Credit Union 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. Navy Federal Credit Union's net worth ratio of 11.37% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Navy Federal Credit Union offer compared to banks?

Credit unions like Navy Federal Credit Union 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 Navy Federal Credit Union directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Data sourced from the NCUA 5300 Call Report (2025Q4) for Navy Federal Credit Union. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.