A
Navy Federal Credit Union
Vienna, VA
Data as of
June 30, 2021
Risk Based
Capital Ratio
11.18
Leverage
Ratio
10.94
Return On
Assets
2.16%
Total
Assets
147.90B
Capital
15.96B
Total
Deposits
122.38B
Net
Income
1.55B
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Major Rating Factors: Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 10.9. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
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 (8.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.2 has resulted in Excellent (8.2) profitability.
Asset Mix: Consumer loans (30%), home mtgs (28%), securities (0%), other (42%)
Asset Quality
Non-Performing Loans to Capital
4.01%
Non-Performing Assets to Assets
0.49%
Non-Performing Loans to Loans
0.80%
Loan Loss Reserves to Loans
2.47%
Charge-Offs to Average Loans
0.94%
5-Year Charge-Offs to Average Loans
1.67%
5-Year Asset Growth
13.11%
1-Year Asset Growth
15.07%
Profitability
Operating Profit to Average Assets
2.11%
Return on Equity
20.45%
Net Interest Spread
4.37%
5-Year ROAA (Return on Average Assets)
1.41%
Overhead Efficiency Ratio
55.94%
Liquidity
Liquidity Ratio
20.09%
Hot Money
10.14%
Corporate Info
Address
820 Follin Lane, SE
Vienna, VA 22180
Phone Number
(703) 255-8000
NCUA Charter Number
Weiss Ratings