Credit union
Navy Federal Credit Union
Vienna, Virginia, Fairfax County, VA
$204B in total assets and 15,517,448 members, the 1st largest of 4,298 US credit unions and 1st of 95 headquartered in Virginia.
- NCUA charter
- 5536
- Charter
- Federal
- Chartered
- 1947
- NCUA insured since
- 1971
- Field of membership
- Military
- Website
- http://www.navyfcu.org
At a glance
Compared with 0 US federally insured credit unions with over $100 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $204B | n/a | n/a | |
| Loans | $146B | n/a | n/a | |
| Deposits (shares) | $173B | n/a | n/a | |
| Members | 15,517,448 | n/a | n/a | |
| Return on assets | 1.41% | n/a | n/a | |
| Net interest income to assets | 4.98% | n/a | n/a | |
| Efficiency ratio | 55.2% | n/a | n/a | |
| Net worth ratio | 11.65% | n/a | n/a | |
| Loans to shares | 84% | n/a | n/a | |
| Cost of deposits | 1.77% | n/a | n/a |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 10.1% a year over 10 years and 6.7% a year over the last 5, including 1 merger in the last 10 years. Membership grew 8.0% a year over 5 years, to 15,517,448.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jul 2017 | Fort Meade Credit Union Credit union, Fort Meade, MD | $32M |
| Sep 2014 | Elizabeth City Coast Guard Employee Credit Union Credit union, Elizabeth City, NC | $3M |
| Oct 2010 | United Services of America Federal Credit Union Credit union, San Diego, CA | $599M |
Where they operate
384 branches in 153 counties.
46 of 384 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| San Diego County, CA | 27 | 4.3% | 7 of 69 |
| Virginia Beach (city) County, VA | 12 | 31.6% | 1 of 9 |
| Duval County, FL | 10 | 3.9% | 7 of 48 |
| Fairfax County, VA | 9 | 3.1% | 11 of 61 |
| Prince George's County, MD | 7 | 4.6% | 6 of 39 |
| Harris County, TX | 7 | 0.6% | 22 of 179 |
| Tarrant County, TX | 7 | 1.3% | 18 of 116 |
| Prince William County, VA | 7 | 9.7% | 3 of 24 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 295 | |
| 2017 | 311 | +16 |
| 2018 | 327 | +16 |
| 2019 | 342 | +15 |
| 2020 | 329 | −13 |
| 2021 | 337 | +8 |
| 2022 | 346 | +9 |
| 2023 | 355 | +9 |
| 2024 | 362 | +7 |
| 2025 | 381 | +19 |
| Jun 2026 | 384 | +3 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.58% | n/a |
| Net worth ratio | 11.65% | n/a |
| Loans to shares | 84% | n/a |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Virginia
Most branches in San Diego County, CA
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.