Credit Union Safety Analysis
Is Navy Federal Credit Union Safe? Vienna, Virginia
Based on its Q2 2026 NCUA 5300 call report, Navy Federal Credit Union has a net worth ratio of 11.65%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.58%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Navy Federal Credit Union's net worth ratio is 11.65%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.65%
- Delinquency ratio (60+ days) (Q2 2026): 1.58%
- Return on assets (Q2 2026): 1.29%
- Loan-to-share ratio (Q2 2026): 84.40%
Navy Federal Credit Union (NCUA charter 5536, established 1947) reported $204.36B in assets and 15,517,448 members for Q2 2026 from Vienna, Virginia. It is the largest of 94 credit unions in Virginia by total assets. Total assets grew 6.6% from $191.78B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Earlier filings: 11.37% for Q1 2026; 11.44% for Q2 2025.
Earlier filings: 1.50% for Q1 2026; 1.57% for Q2 2025.
Earlier filings: 1.48% for Q1 2026; 0.91% for Q2 2025.
Earlier filings: 82.78% for Q1 2026; 85.36% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $68.76B
- Unsecured credit card loans: $33.38B
- Used vehicle loans: $18.35B
- New vehicle loans: $14.42B
- Other unsecured loans and lines of credit: $7.55B
- Other secured non-real estate loans and lines of credit: $1.55B
- Non-federally guaranteed student loans: $1.34B
- Commercial loans: $976.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $204.36B | 11.65% | 1.58% | 1.29% | 84.40% |
| March 31, 2026 | $203.56B | 11.37% | 1.50% | 1.48% | 82.78% |
| December 31, 2025 | $197.17B | 11.36% | 1.97% | 0.90% | 85.62% |
| September 30, 2025 | $194.18B | 11.58% | 1.62% | 1.12% | 85.66% |
| June 30, 2025 | $191.78B | 11.44% | 1.57% | 0.91% | 85.36% |
| March 31, 2025 | $190.24B | 11.31% | 1.43% | 1.03% | 84.50% |
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Free to use. It shows Navy Federal Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Navy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 5536) · FFIEC NIC profile (RSSD 617677)
Frequently asked questions
Is Navy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Navy Federal Credit Union's net worth ratio is 11.65%, above the 7% NCUA threshold for well capitalized.
Is Navy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Navy Federal Credit Union is a federally insured credit union (NCUA charter 5536): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Navy Federal Credit Union's key safety ratios?
For Q2 2026, Navy Federal Credit Union reports net worth 11.65%, delinquency 1.58%, ROA 1.29%, loan-to-share 84.40%.
What happens to my money if Navy Federal Credit Union fails?
For Q2 2026, Navy Federal Credit Union held $173.36B in shares and deposits for 15,517,448 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.