TellerScore

Navigant Credit Union (NCUA charter #62882) is based in Smithfield, Rhode Island. Its Q2 2026 call report shows $4.3B in total assets and $3.6B in member shares and deposits and 27 offices.

Based on its Q2 2026 filing, Navigant Credit Union scores 64/100, which we describe as moderate. That is higher than only 36% of 454 credit unions with $1 billion – $10 billion. Among 14 credit unions headquartered in Rhode Island, it ranks 12th. Its strongest component is problem-loan coverage (93/100; 3.5%), and its lowest is capital cushion (49/100; 9.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Net worth ratio: 9.89%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.39%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity54/100
Loans ÷ shares: 104.3% · 16.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.48%

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 2 points (62 → 64), mostly because the earnings component improved by 12 points.

TellerScore
616466Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202462
Q4 202461
Q1 202561
Q2 202562
Q3 202561
Q4 202562
Q1 202666
Q2 202664
Net worth ratio
7.00%8.47%9.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.85%
Q3 20249.75%
Q4 20249.74%
Q1 20259.71%
Q2 20259.90%
Q3 20259.82%
Q4 20259.94%
Q1 20269.93%
Q2 20269.89%
Delinquent loans (60+ days)
0.33%0.42%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.38%
Q4 20240.43%
Q1 20250.33%
Q2 20250.43%
Q3 20250.48%
Q4 20250.50%
Q1 20260.33%
Q2 20260.39%
Return on assets
0.32%0.58%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.41%
Q4 20240.42%
Q1 20250.32%
Q2 20250.49%
Q3 20250.56%
Q4 20250.56%
Q1 20260.84%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$4.3B9.89%0.39%0.80%104.3%
Q1 202666$4.2B9.93%0.33%0.84%100.0%
Q4 202562$4.1B9.94%0.50%0.56%101.1%
Q3 202561$4.1B9.82%0.48%0.56%100.0%
Q2 202562$4.0B9.90%0.43%0.49%100.5%
Q1 202561$4.0B9.71%0.33%0.32%100.0%
Q4 202461$3.9B9.74%0.43%0.42%100.0%
Q3 202462$3.9B9.75%0.38%0.41%97.5%
Q2 202463$3.8B9.85%0.35%0.40%97.3%

454 peers · $1 billion – $10 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 ratio9.89%
27th
Problem loans0.39%
81st
Net charge-offs0.16%
89th
Return on assets0.80%
49th
Loans to deposits104.3%
6th
Uninsured deposits16.6%
9th
Loan-loss reserves0.00%
50th
Texas ratio3.5%
68th

Similar-size credit unions in Rhode Island

InstitutionScoreAssetsCapitalProblem loansCompare
Coastal1 Credit UnionCredit union Pawtucket, RI68 out of 100, Moderate$3.5B10.7%0.22%vs

Deposit insurance

Is my money safe at Navigant Credit Union?

Yes. Navigant Credit Union is a federally insured credit union (NCUA charter #62882). 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 16.6% of shares and deposits ($595.9M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

27 locations

Branches

Navigant Credit Union lists 27 offices in 22 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Navigant Credit Union reported 3,008 home-loan applications under HMDA (LEI 549300YIBRM1ZYA6GT07): 2,076 originated ($533,980,000 total), 505 denied, and 360 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Navigant Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62882
RSSD ID
951698
Primary regulator
State + NCUA
Established
1915
Headquarters
1005 Douglas Pike, Smithfield, RI 02917
Employees
431

Quick answers

Navigant Credit Union: common questions

Is Navigant Credit Union NCUA insured?

Yes. Navigant Credit Union is a federally insured credit union (NCUA charter #62882). 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 Navigant Credit Union's TellerScore?

64 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 Navigant Credit Union have?

27 offices as of the latest NCUA data.

Nearby

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