NAVIGATOR
Charter #24954 · Pascagoula, MS · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 47,480 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 17.90% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.67% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.21% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.38% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NAVIGATOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $398.81M | 89th pct | 74th pct |
| Members | 47,480 | 100th pct | 98th pct |
| Net worth ratio | 17.90% | 95th pct | 93th pct |
| Return on average assets | 1.67% | 92th pct | 87th pct |
| Net interest margin | 5.21% | 98th pct | 95th pct |
| Cost of funds | 0.38% | 15th pct | 20th pct |
| Loan-to-share | 83.66% | 77th pct | 66th pct |
| Delinquency 60+ days | 0.52% | 43th pct | 46th pct |
| Net charge-off ratio | 1.38% | 95th pct | 97th pct |
| Loan growth YoY | -3.10% | 16th pct | 8th pct |
| Share growth YoY | 3.39% | 48th pct | 43th pct |
| Efficiency ratio | 74.67% | 36th pct | 49th pct |
structural peer set hash: 9a2a05c7d13feb7bd403490beed3afbd… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.