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Navy Federal Credit Union

Vienna, VA · Est. 1947
C
Trust Grade
Average
Score: 71/100

Navy Federal Credit Union is a credit union based in Vienna, Virginia, established in 1947, with $203.6 billion in total assets serving 15,350,733 members. By Trust Grade it ranks 89th of 95 credit unions we track in Virginia. Its net worth ratio of 11.4%, versus a Virginia median of 11.9%. It was profitable over the most recent period, with a 1.48% return on assets. Consumers filed 34,702 complaints about NAVY FEDERAL CREDIT UNION with the CFPB — 170.5 per $1B in assets.

Total assets
$203.6B
≥$100B institution
Members
15,350,733
Shares & deposits
Net worth ratio
11.4%
Higher = stronger · Virginia median 11.9%
Return on assets
1.5%
Higher = stronger · Virginia median 0.56%
Rank in Virginia
#89
of 95 credit unions

How Navy Federal Credit Union compares to Virginia peers

Net worth ratio
Navy Federal
11.4%
Virginia median
11.9%
Higher capital ratio = stronger financial cushion
Return on assets
Navy Federal
1.5%
Virginia median
0.6%
Higher ROA = more profitable relative to asset base

How we graded Navy Federal Credit Union

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
95/100
Customer experience
47.71531900178664/100
Overall
C · 71
  • Strongly capitalized (11.4% capital ratio)
  • Strongly profitable (ROA 1.48%)
  • 170.5 complaints per $1B in assets
  • Resolves 21% of complaints with relief

Consumer complaints (CFPB)

34,702 complaints filed with the CFPB against NAVY FEDERAL CREDIT UNION — 170.5 per $1B in assets.

Total complaints
34,702
Per $1B assets
170.5
Lower = better
Answered on time
100.0%
Closed with relief
21.1%
Complaints by product
Checking or savings account
16,454
Credit reporting or other personal consumer reports
7,719
Credit card
3,120
Debt collection
2,976
Vehicle loan or lease
1,265

Are deposits at Navy Federal Credit Union insured?

Yes. Navy Federal Credit Union is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Navy Federal Credit Union: frequently asked questions

Is Navy Federal Credit Union a good credit union?

Navy Federal Credit Union earns a Bankzia Trust Grade of C (71/100, "Average"), based on a financial-strength score of 95/100 and a customer-experience score of 47.71531900178664/100. Strongly capitalized (11.4% capital ratio); Strongly profitable (ROA 1.48%).

Is Navy Federal Credit Union NCUA-insured?

Yes. Navy Federal Credit Union is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Navy Federal Credit Union?

Navy Federal Credit Union holds $203.6 billion in total assets, ranking 89th of 95 credit unions we track in Virginia. It serves 15,350,733 members.

How many complaints does Navy Federal Credit Union have?

Consumers filed 34,702 complaints about NAVY FEDERAL CREDIT UNION with the CFPB, or 170.5 per $1B in assets. 100% were answered on time. 21% closed with relief to the consumer.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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