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.

From Q2 2025 to Q2 2026, the score rose 4 points (62 → 66), mostly because the earnings component improved by 16 points.

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

Similar-size credit unions in Virginia

Yes. Navy Federal Credit Union is a federally insured credit union (NCUA charter #5536). 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 9.7% of shares and deposits ($16.8B) are above the $250,000 NCUA insurance limit, below the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 11.65%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Navy Federal Credit Union lists 134 offices in 98 cities across 27 states. Most locations:

• San Diego, CA (7)
• Virginia Beach, VA (7)
• Jacksonville, FL (5)
• Chesapeake, VA (4)
• Norfolk, VA (4)
• Pensacola, FL (4)
• Annapolis, MD (3)
• Arlington, VA (2)
• Gulfport, MS (2)
• Jacksonville, NC (2)
• Lemoore, CA (2)
• Portsmouth, VA (2)

All branch addresses and map

Over the last three years, the CFPB forwarded 34,415 consumer complaints about NAVY FEDERAL CREDIT UNION to the company (10,449 in the last 12 months). 100.0% received a timely response. That is 198.5 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Navy Federal Credit Union reported 166,702 home-loan applications under HMDA (LEI 5493003GQDUH26DNNH17): 80,547 originated ($18,542,805,000 total), 40,360 denied, and 44,168 withdrawn or closed by the applicant. Its denial rate on decided applications was 32.9%, 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.

All Navy Federal Credit Union card terms

Legal name

Navy Federal Credit Union

Type

Federal credit union

NCUA charter #

5536

RSSD ID

617677

Primary regulator

NCUA

Established

1947

Headquarters

820 Follin Lane, Vienna, VA 22180

Employees

25,336