Side-by-side · Q2 2026 data
First Federal Savings and Loan Association vs Navigator Federal Credit Union
Bank
First Federal Savings and Loan Association
Pascagoula, Mississippi · $100 million – $1 billion
Credit union
Navigator Federal Credit Union
Pascagoula, Mississippi · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association | Navigator Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 95 (stronger) | 87 |
| Earnings | 37 | 86 (stronger) |
| Funding & liquidity | 42 | 75 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 20th | 95th |
| Total assets | $381.4M | $406.7M |
| Deposits / shares | $276.2M | $327.7M |
| Capital ratio | 9.72% | 17.98% (stronger) |
| Problem loans | 0.16% (stronger) | 0.38% |
| Net charge-offs | 0.00% (stronger) | 1.27% |
| Return on assets | 0.42% | 1.65% (stronger) |
| Loans ÷ deposits | 111.1% | 85.0% (stronger) |
| Uninsured deposits | 22.4% | 2.2% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.0% | — |
Navigator Federal Credit Union has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association leads on 2 and Navigator Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.