Deposit Analysis
VA
2025 Q4
Navy Federal Credit Union 2025 Q4 Deposit Growth Hits 9.7% Amid Tight Liquidity
Navy Federal Credit Union (5536) reports +9.7% YoY deposit growth in 2025 Q4, with $11,002 average deposit per member and 85.6% loan-to-share ratio.
By Cassandra Troy · Finleet CU Intelligence
2026-03-14
Navy Federal Credit Union (5536), a $197.17B credit union headquartered in Vienna, VA, led by CEO Kuhlmann, reported $166.56B in member deposits at the end of 2025 Q4, an increase of $14.73B (+9.7%) compared to the same quarter last year.
The credit union's 85.6% loan-to-share ratio indicates strong loan demand relative to deposits.
Deposit Composition
| Deposit Type | Balance | % of Total | YoY |
|---|---|---|---|
| Share Certificates | $55.55B | 33.4% | +9.4% |
| Regular Shares | $37.11B | 22.3% | +8.3% |
| Share Drafts | $36.46B | 21.9% | +15.9% |
| Money Market | $26.20B | 15.7% | +6.3% |
| IRA/KEOGH | $10.32B | 6.2% | +4.1% |
Quarterly Trends
| Period | Total Deposits | QoQ | Avg/Member |
|---|---|---|---|
| 2024 Q1 | $151.42B | $11,154 | |
| 2024 Q2 | $148.65B | -1.8% | $10,796 |
| 2024 Q3 | $150.13B | +1.0% | $10,689 |
| 2024 Q4 | $151.84B | +1.1% | $10,643 |
| 2025 Q1 | $160.09B | +5.4% | $11,022 |
| 2025 Q2 | $161.45B | +0.8% | $10,943 |
| 2025 Q3 | $163.66B | +1.4% | $10,911 |
| 2025 Q4 | $166.56B | +1.8% | $11,002 |
Member Metrics
Navy Federal Credit Union serves 15,139,001 members, an increase of 6.1% year-over-year. The average member deposit is $11,002.
Members
15,139,001
+6.1% YoY
Avg Deposit
$11,002
Loan-to-Share
85.6%
Net Worth Ratio
11.36%
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