A
Naft Federal Credit Union
PharrTX
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Naft Federal Credit Union
Pharr, TX
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 5.70
Profitability Index 10.00
Stability Index 9.00
Company Info Naft Federal Credit Union
Pharr, TX
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NCUA Charter Number 2202
Phone Number (956) 787-2774
Website naftfcu.coop
Asset Quality Naft Federal Credit Union
Pharr, TX
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1-Year Asset Growth 10.82%
5-Year Asset Growth 8.27%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.37%
Non-Performing Loans to Loans 0.48%
Balance Sheet Naft Federal Credit Union
Pharr, TX
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Total Assets 148.39M
Total Deposits 123.34M
Capital and Reserves Naft Federal Credit Union
Pharr, TX
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Capital 24.60M
Leverage Ratio 16.52
Loan Loss Reserves to Loans 0.90%
Liquidity Naft Federal Credit Union
Pharr, TX
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Hot Money Ratio 7.01%
Liquidity Ratio 35.72%
Profitability Naft Federal Credit Union
Pharr, TX
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5-Year Return on Average Assets 1.34%
Net Income 2.03M
Net Interest Spread 5.05%
Operating Profit to Average Assets 1.93%
Overhead Efficiency Ratio 63.36%
Return on Assets 1.89%
Return on Equity 11.57%