TellerScore

Headquartered in Pascagoula, Mississippi, Navigator Federal Credit Union is a federal credit union with $406.7M in total assets and $327.7M in member shares and deposits as of Q2 2026. It operates 6 offices across 2 states. Its charter dates back to 1939.

Based on its Q2 2026 filing, Navigator Federal Credit Union scores 90/100, which we describe as very strong. That is higher than 95% of 1,341 credit unions with $100 million – $1 billion. Among 55 credit unions headquartered in Mississippi, it ranks 5th. Its strongest component is capital cushion (100/100; 17.98%), and its lowest is funding & liquidity (75/100; 85% loans-to-deposits, 2% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.98%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity75/100
Loans ÷ shares: 85.0% · 2.2% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.49%

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 fell 2 points (92 → 90), mostly because the earnings component weakened by 14 points.

TellerScore
788592Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202480
Q3 202478
Q4 202480
Q1 202592
Q2 202592
Q3 202590
Q4 202589
Q1 202689
Q2 202690
Net worth ratio
7.00%12.60%18.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.02%
Q3 202414.58%
Q4 202415.20%
Q1 202515.63%
Q2 202516.64%
Q3 202517.29%
Q4 202518.19%
Q1 202617.90%
Q2 202617.98%
Delinquent loans (60+ days)
0.38%0.54%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.64%
Q4 20240.66%
Q1 20250.51%
Q2 20250.46%
Q3 20250.58%
Q4 20250.70%
Q1 20260.52%
Q2 20260.38%
Return on assets
0.57%1.55%2.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.57%
Q3 20240.57%
Q4 20240.66%
Q1 20252.07%
Q2 20252.16%
Q3 20252.05%
Q4 20252.53%
Q1 20261.65%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202690$406.7M17.98%0.38%1.65%85.0%
Q1 202689$398.8M17.90%0.52%1.65%83.7%
Q4 202589$386.3M18.19%0.70%2.53%88.8%
Q3 202590$384.2M17.29%0.58%2.05%89.3%
Q2 202592$388.9M16.64%0.46%2.16%86.9%
Q1 202592$400.5M15.63%0.51%2.07%83.1%
Q4 202480$400.9M15.20%0.66%0.66%84.6%
Q3 202478$411.9M14.58%0.64%0.57%83.3%
Q2 202480$395.7M15.02%0.55%0.57%83.4%

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 ratio17.98%
95th
Problem loans0.38%
75th
Net charge-offs1.27%
5th
Return on assets1.65%
92nd
Loans to deposits85.0%
28th
Uninsured deposits2.2%
88th
Loan-loss reserves0.00%
50th
Texas ratio1.5%
82nd

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
Singing River Federal Credit UnionCredit union Moss Point, MS68 out of 100, Moderate$397.4M11.4%0.55%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
Mutual Federal Credit UnionCredit union Vicksburg, MS84 out of 100, Strong$528.5M14.0%1.08%vs
Statewide Federal Credit UnionCredit union Flowood, MS68 out of 100, Moderate$211.4M9.5%0.59%vs
Magnolia Federal Credit UnionCredit union Jackson, MS87 out of 100, Very strong$185.6M23.4%0.55%vs
Rivertrust Federal Credit UnionCredit union Pearl, MS84 out of 100, Strong$167.8M19.3%0.60%vs

Deposit insurance

Is my money safe at Navigator Federal Credit Union?

Yes. Navigator Federal Credit Union is a federally insured credit union (NCUA charter #24954). 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 2.2% of shares and deposits ($7.3M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 17.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Navigator Federal Credit Union lists 6 offices in 5 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Navigator Federal Credit Union
Type
Federal credit union
NCUA charter #
24954
RSSD ID
751692
Primary regulator
NCUA
Established
1939
Headquarters
PO Box 1647, Pascagoula, MS 39568
Employees
146

Quick answers

Navigator Federal Credit Union: common questions

Is Navigator Federal Credit Union NCUA insured?

Yes. Navigator Federal Credit Union is a federally insured credit union (NCUA charter #24954). 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 Navigator Federal Credit Union's TellerScore?

90 out of 100 (Very strong), 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 Navigator Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Pascagoula

InstitutionScoreAssetsCapitalProblem loansCompare
University of South Alabama Federal Credit UnionCredit union Mobile, AL96 out of 100, Very strong$56.2M16.4%0.49%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Gulf Trust Federal Credit UnionCredit union Pascagoula, MS88 out of 100, Very strong$25.5M21.8%0.03%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Mobile Educators Credit UnionCredit union Mobile, AL84 out of 100, Strong$113.2M13.2%0.74%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs