NAVY FEDERAL CREDIT UNION
NAVY FEDERAL CREDIT UNION is really a VIENNA, VA-based, NCUA-insured credit union that exposed its doors in 1947. Regulatory filings reveal the credit union having assets of $90.57 billion, at the time of December 31, 2017.
With 14,829 full-time workers, the credit union has amassed loans and leases worth $65.88 billion. Its 7,542,010 people actually have $62.86 billion in stocks because of the credit union.
Overall, Bankrate believes that, as of December 31, 2017, NAVY FEDERAL CREDIT UNION exhibited a condition that is superior making the full 5 movie movie stars for safety and soundness. Continue reading for a failure of how a credit union faired from the three major requirements Bankrate utilized to gauge credit that is american on safety and soundness.
WHAT EXACTLY IS RISK-FREE?
TODAY’S COST COST SAVINGS PRICES
THE ORGANIZATION’S SCORE
Capital will act as a pillow against losings and also as security for users whenever a credit union is struggling economically. Consequently, with regards to calculating a excellent organization’s monetary resilience, money is advantageous. In terms of soundness and safety, the larger the main city, the greater.
NAVY FEDERAL CREDIT UNION received a rating of 14 away from a feasible 30 points on our test to gauge the adequacy of the credit union’s money, not as much as the nationwide average of 15.65.
NAVY FEDERAL CREDIT UNION’s capitalization ratio of 14.00 % inside our test ended up being less than the common for several credit unions, suggesting it’s on less solid footing that is financial its peers.
Resource Quality Rating
In this test, Bankrate attempts to figure out the impact of problem assets, such as for example unpaid loans, in the credit union’s reserves put aside to pay for loan losings, also general capitalization.
Having a lot of these kinds of assets recommends a credit union may have to use eventually money to absorb losings, reducing its buffer of equity. Additionally ensures that you will find apt to be numerous assets which can be in non-accrual status with no longer generating revenue, leading to depressed profits and possibly more danger of a failure that is future.
NAVY FEDERAL CREDIT UNION scored 40 away from a feasible 40 points on Bankrate’s asset quality test, a lot better than the average that is national of.
NAVY FEDERAL CREDIT UNION’s ratio of issue assets ended up being 0.00 % within our test, underneath the nationwide average and potentially indicative of greater monetary strength than many other credit unions.
A credit union’s capacity to make money has an impact on its soundness and safety. Profits can be retained because of the credit union, offering a good start to its capital pillow, or perhaps utilized to manage problematic loans, likely making the credit union better in a position to withstand trouble that is economic. Losings, having said that, reduce a credit union’s capacity to do those activities.
NAVY FEDERAL CREDIT UNION scored 22 away from a feasible 30 on Bankrate’s test of profits, exceeding the nationwide average of 10.11.
An earnings were had by the credit union ratio of 0.00 % within our test, over the average for many credit unions, suggesting that it is operating in front of its peers in this region.
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