Loan Analysis
VA
2025 Q4
Navy Federal Credit Union Posts 5.8% Loan Gain, Outperforming Industry
Navy Federal Credit Union (5536) reports +5.8% YoY loan growth in 2025 Q4, with 85.6% loan-to-share ratio and 1.97% delinquency rate.
By Cassandra Troy · Finleet CU Intelligence
2026-03-14
Navy Federal Credit Union (5536) reported $142.62B in total loans and leases at the end of 2025 Q4, an increase of $7.78B (+5.8%) year-over-year. The credit union's delinquency rate stands at 1.97%.
With a 85.6% loan-to-share ratio, Navy Federal Credit Union is deploying member deposits aggressively into loans.
Loan Portfolio Composition
| Loan Type | Balance | % of Portfolio | YoY |
|---|---|---|---|
| Used Vehicle | $18.04B | 12.7% | +2.1% |
| New Vehicle | $14.97B | 10.5% | -0.1% |
Quarterly Trends
| Period | Total Loans | QoQ | Total Assets |
|---|---|---|---|
| 2024 Q1 | $125.52B | $178.03B | |
| 2024 Q2 | $128.77B | +2.6% | $177.69B |
| 2024 Q3 | $131.92B | +2.4% | $180.81B |
| 2024 Q4 | $134.83B | +2.2% | $180.81B |
| 2025 Q1 | $135.28B | +0.3% | $190.24B |
| 2025 Q2 | $137.81B | +1.9% | $191.78B |
| 2025 Q3 | $140.19B | +1.7% | $194.18B |
| 2025 Q4 | $142.62B | +1.7% | $197.17B |
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