Navigator Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 14.8. A current level of 3.0 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 0.7 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (50%), home mtgs (14%), securities (13%), other (23%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
6012 Highway 63
Moss Point, MS 39563
Moss Point, MS 39563
Phone Number
(228) 475-7300
NCUA Charter Number
Website
Largest Competitors
Biloxi, MS
Jackson, MS
Moss Point, MS
Vicksburg, MS
Hattiesburg, MS