NAVIGANT
Charter #62882 · Smithfield, RI · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.13% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.33% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.15% ranks in the 15th 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 | NAVIGANT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.18B | 74th pct | 75th pct |
| Members | 170,060 | 66th pct | 61th pct |
| Net worth ratio | 9.93% | 31th pct | 31th pct |
| Return on average assets | 0.85% | 61th pct | 70th pct |
| Net interest margin | 3.05% | 31th pct | 41th pct |
| Cost of funds | 0.13% | 4th pct | 5th pct |
| Loan-to-share | 100.00% | 90th pct | 79th pct |
| Delinquency 60+ days | 0.33% | 17th pct | 16th pct |
| Net charge-off ratio | 0.15% | 10th pct | 15th pct |
| Loan growth YoY | 2.10% | 55th pct | 52th pct |
| Share growth YoY | 2.08% | 19th pct | 28th pct |
| Efficiency ratio | 71.59% | 46th pct | 33th pct |
structural peer set hash: 6690c9117e836e2b29a55c1251040bac… (reproducible)
Closest structural peers
This is the free public view
Claim NAVIGANT
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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.