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NAVY FEDERAL CREDIT UNION is a VIENNA, VA-based, NCUA-insured credit union that exposed its doorways in 1947. Regulatory filings reveal the credit union having assets of $90.57 billion, at the time of December 31, 2017.

The credit union has amassed loans and leases worth $65.88 billion with 14,829 full-time employees. Its 7,542,010 users actually have $62.86 billion in stocks aided by the credit union.

Overall, Bankrate believes that, as of December 31, 2017, NAVY FEDERAL CREDIT UNION exhibited a condition that is superior making a complete 5 movie movie stars for security and soundness. Read on for a failure of the way the credit union faired in the three major requirements Bankrate utilized to gauge US credit unions on safety and soundness.




Capital Rating

Capital will act as a pillow against losings so that as security for people when a credit union is struggling economically. Consequently, with regards to calculating an institution that is an monetary resilience, money pays to. With regards to security and soundness, the higher the administrative centre, the greater.

NAVY FEDERAL CREDIT UNION received a rating of 14 away from a possible 30 points on our test to assess the adequacy of a credit union’s money, not as much as the average that is national of.

NAVY FEDERAL CREDIT UNION’s capitalization ratio of 14.00 % within our test ended up being less than the common for several credit unions, suggesting that it is on less solid economic footing than its peers.

Resource Quality Score

In this test, Bankrate attempts to figure out the effect of issue assets, such as for example unpaid loans, in the credit union’s reserves put aside to pay for loan losings, in addition to general capitalization.

Having plenty of these kind of assets implies a credit union may have to use eventually money to soak up losings, reducing its buffer of equity. Moreover it ensures that you can find probably be numerous assets which can be in non-accrual status with no longer making profits, leading to depressed profits and possibly more danger of a future failure.

NAVY FEDERAL CREDIT UNION scored 40 away from a feasible 40 points on Bankrate’s asset quality test, much better than the nationwide average of 38.09.

NAVY FEDERAL CREDIT UNION’s ratio of issue assets ended up being 0.00 per cent within our test, underneath the average that is national potentially indicative of greater financial power than many other credit unions.

Earnings score

A credit union’s capability to make money has an impact on its soundness and safety. Profits might be retained by the credit union, offering a lift to its money pillow, or perhaps utilized to manage problematic loans, most likely making the credit union better in a position to withstand financial difficulty. Losings, having said that, reduce a credit union’s capability to do those ideas.

NAVY FEDERAL CREDIT UNION scored 22 away from a possible 30 on Bankrate’s test of earnings, surpassing the nationwide average of 10.11.

An earnings were had by the credit union ratio of 0.00 per cent within our test, over the average for many credit unions, suggesting that it is operating in front of its peers of this type.

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