TellerScore

Headquartered in Somerville, Massachusetts, Naveo Credit Union is a federally insured state-chartered credit union with $176.3M in total assets and $151.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1928.

Based on its Q2 2026 filing, Naveo Credit Union scores 62/100, which we describe as moderate. That is higher than only 26% of 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Massachusetts, it ranks 90th. Its strongest component is problem-loan coverage (94/100; 2.9%), and its lowest is earnings (34/100; 0.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Net worth ratio: 8.57%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity86/100
Loans ÷ shares: 74.3% · 9.1% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (58 → 62), mostly because the earnings component improved by 7 points.

TellerScore
576164Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202464
Q1 202563
Q2 202558
Q3 202558
Q4 202561
Q1 202657
Q2 202662
Net worth ratio
7.00%7.79%8.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.15%
Q3 20248.11%
Q4 20248.46%
Q1 20258.41%
Q2 20258.17%
Q3 20258.25%
Q4 20258.58%
Q1 20268.56%
Q2 20268.57%
Delinquent loans (60+ days)
0.00%0.47%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.03%
Q4 20240.00%
Q1 20250.05%
Q2 20250.54%
Q3 20250.53%
Q4 20250.37%
Q1 20260.94%
Q2 20260.39%
Return on assets
0.05%0.21%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.09%
Q3 20240.06%
Q4 20240.05%
Q1 20250.08%
Q2 20250.17%
Q3 20250.17%
Q4 20250.19%
Q1 20260.35%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$176.3M8.57%0.39%0.36%74.3%
Q1 202657$174.6M8.56%0.94%0.35%72.1%
Q4 202561$172.4M8.58%0.37%0.19%72.1%
Q3 202558$178.2M8.25%0.53%0.17%71.5%
Q2 202558$178.9M8.17%0.54%0.17%74.1%
Q1 202563$172.8M8.41%0.05%0.08%68.4%
Q4 202464$171.3M8.46%0.00%0.05%69.0%
Q3 202462$178.7M8.11%0.03%0.06%70.2%
Q2 202463$177.6M8.15%0.01%0.09%67.1%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.57%
8th
Problem loans0.39%
75th
Net charge-offs0.02%
96th
Return on assets0.36%
22nd
Loans to deposits74.3%
53rd
Uninsured deposits9.1%
21st
Loan-loss reserves0.00%
50th
Texas ratio2.9%
64th

Similar-size credit unions in Massachusetts

InstitutionScoreAssetsCapitalProblem loansCompare
Homefield Credit UnionCredit union North Grafton, MA59 out of 100, Moderate$170.4M10.1%0.69%vs
New Bedford Credit UnionCredit union New Bedford, MA71 out of 100, Strong$168.7M11.0%0.44%vs
Pioneer Valley Federal Credit UnionCredit union Springfield, MA71 out of 100, Strong$167.2M11.6%0.39%vs
Alden Credit UnionCredit union Chicopee, MA52 out of 100, Below average$185.4M9.2%1.14%vs
River Works Credit UnionCredit union Lynn, MA57 out of 100, Moderate$192.9M9.2%0.82%vs
Metrowest Community Federal Credit UnionCredit union Framingham, MA68 out of 100, Moderate$147.0M8.7%0.21%vs

Deposit insurance

Is my money safe at Naveo Credit Union?

Yes. Naveo Credit Union is a federally insured credit union (NCUA charter #68046). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.1% of shares and deposits ($13.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 8.57%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Naveo Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Naveo Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68046
RSSD ID
109499
Primary regulator
State + NCUA
Established
1928
Headquarters
493 Somerville Ave, Somerville, MA 02143
Employees
32

Quick answers

Naveo Credit Union: common questions

Is Naveo Credit Union NCUA insured?

Yes. Naveo Credit Union is a federally insured credit union (NCUA charter #68046). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Naveo Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Naveo Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Somerville

InstitutionScoreAssetsCapitalProblem loansCompare
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Alpha Credit UnionCredit union Boston, MA97 out of 100, Very strong$35.1M18.8%0.14%vs
Somerville Mass Firefighters Federal Credit UnionCredit union Somerville, MA92 out of 100, Very strong$7.4M19.6%0.00%vs
Cambridge Firefighters Federal Credit UnionCredit union Cambridge, MA92 out of 100, Very strong$14.2M25.8%0.27%vs
Watertown Municipal Credit UnionCredit union Watertown, MA91 out of 100, Very strong$9.7M36.9%0.00%vs
Billerica Municipal Employees Credit UnionCredit union Billerica, MA91 out of 100, Very strong$23.6M17.8%0.00%vs