Navy Federal Credit Union Vienna, Virginia
Navy Federal Credit Union is a federal credit union headquartered in Vienna, VA, established in 1947 (NCUA charter 5536), and it is regulated and insured by the NCUA. At Q2 2026 it reported 15,517,448 members and total assets of $204.36B (up 6.6% from Q2 2025), the largest of 94 credit unions headquartered in Virginia. Its net worth ratio was 11.65% at Q2 2026, in the well capitalized band.
Also written as Navy FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 5536
- Headquarters
- Vienna, VA
- Established
- 1947
- Total assets, Q2 2026
- $204.36B
- Assets vs Q2 2025
- +6.6%
- Members, Q2 2026
- 15,517,448
- Net worth ratio, Q2 2026
- 11.65%
- Latest call report
- Q2 2026, NCUA 5300 · Navy Federal Credit Union call report
- Asset rank in state
- 1st of 94 in Virginia
- Routing number
- 256074974
- Branches
- 386
It has 763,556 more members than on June 30, 2025 (+5.2%). Its net worth ratio was up 0.21 percentage points from 11.44% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $68.76B of $146.33B in total loans on its June 30, 2026 filing.
Credit unions similar in size in Virginia
Credit unions merged into Navy Federal Credit Union
Coast Guard Employees Credit Union (2026) · Fort Meade Credit Union (2017) · Elizabeth City Coast Guard Employees Credit Union (2014)
Frequently asked about Navy Federal Credit Union
How big is Navy Federal Credit Union?
At Q2 2026 it reported total assets of $204.36B and 15,517,448 members.
Where is Navy Federal Credit Union headquartered?
It is headquartered in Vienna, VA, United States.
When was Navy Federal Credit Union founded?
It was established in 1947, per NCUA records.
Is Navy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 5536): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Navy Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Navy Federal Credit Union well capitalized?
Its net worth ratio was 11.65% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Navy Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.58% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Navy Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.40% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Vienna, VA 22180
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 5536
- RSSD ID
- 617677
- Members
- 15,517,448
- Potential members
- 184,000,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
Peer percentiles are not on file for Navy Federal Credit Union: only 1 credit union is in its size band ($100B to $250B in assets), too few for a meaningful rank.
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$204.36B total assets against $191.78B; $173.36B total shares and deposits against $161.45B; $146.33B total loans against $137.81B.
$23.80B net worth against $22.01B.
11.65% net worth ratio against 11.44%.
84.40% loan-to-share ratio against 85.36%.
1.58% delinquency ratio against 1.57%.
1.29% return on assets against 0.91%; 11.11% return on equity against 7.91%.
4.94% net interest margin against 4.84%.
15,517,448 members against 14,753,892.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.65% | 1.29% | 1.58% | 84.40% |
| March 31, 2026 | 11.37% | 1.48% | 1.50% | 82.78% |
| December 31, 2025 | 11.36% | 0.90% | 1.97% | 85.62% |
| September 30, 2025 | 11.58% | 1.12% | 1.62% | 85.66% |
| June 30, 2025 | 11.44% | 0.91% | 1.57% | 85.36% |
| March 31, 2025 | 11.31% | 1.03% | 1.43% | 84.50% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.