Side-by-side · Q2 2026 data
Pentagon Federal Credit Union vs Navy Federal Credit Union
Metric by metric
| Measure | Pentagon Federal Credit Union | Navy Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 66 (stronger) |
| Capital cushion | 57 | 67 (stronger) |
| Loan quality | 64 (stronger) | 47 |
| Earnings | 59 | 75 (stronger) |
| Funding & liquidity | 72 | 76 (stronger) |
| Problem-loan coverage | 82 (stronger) | 80 |
| Peer percentile | 52nd | 60th |
| Total assets | $29.2B | $204.4B |
| Deposits / shares | $25.1B | $173.4B |
| Capital ratio | 10.72% | 11.65% (stronger) |
| Problem loans | 1.07% (stronger) | 1.58% |
| Net charge-offs | 1.30% (stronger) | 2.35% |
| Return on assets | 0.99% | 1.38% (stronger) |
| Loans ÷ deposits | 87.8% | 84.4% (stronger) |
| Uninsured deposits | 12.9% | 9.7% (stronger) |
| Offices | 11 | 134 |
| CFPB complaints (3 yrs) | 2,599 | 34,444 |
| Complaints per $1B deposits | 103.6 (stronger) | 198.7 |
| Mortgage denial rate (HMDA) | 45.9% | 32.9% |
Navy Federal Credit Union has the higher TellerScore (66 vs 64). On the 8 directional measures above (where higher or lower is clearly better), Pentagon Federal Credit Union leads on 3 and Navy Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.