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Pascagoula, MS · Charter 24954

NCUA · 13 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

80

Q2 2024Q2 2026peer median (50)

Asset Quality

67

Q2 2024Q2 2026peer median (50)

Profitability

87

Q2 2024Q2 2026peer median (50)

Liquidity

31

Q2 2024Q2 2026peer median

Efficiency

66

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Navigator

Pascagoula, MS · Charter 24954

NCUA · 13 branches

Q2 2026

$406.7MAssets
$278.4MLoans
$327.7MShares
$73.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.65%, down 50 bps year over year; NIM at 5.10%.
  • Asset quality: problem loans at 0.38% of loans (-8 bps YoY).
  • Capital: net worth / assets of 17.98%, up 134 bps from a year ago.
  • Funding: loans stand at 84.98% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.65%-50 bps YoY

Net Interest Margin (YTD, annualized)

5.10%-52 bps YoY

Efficiency Ratio (YTD, annualized)

72.64%+708 bps YoY

Net Worth / Assets

17.98%+134 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.16%2.05%2.53%1.65%1.65%-50 bps
Return on Equity12.96%11.84%13.92%9.19%9.20%-375 bps
Net Interest Margin5.63%5.52%5.49%5.13%5.10%-52 bps
Efficiency Ratio65.56%67.22%63.72%74.67%72.64%+708 bps
Growth
Asset Growth (YoY)-1.72%-6.71%-3.66%-0.42%4.57%+629 bps
Loan Growth (YoY)0.22%0.44%-0.86%-2.52%0.63%+41 bps
Share Growth (YoY)-3.80%-6.32%-5.60%-3.14%2.89%+669 bps
Asset Quality
Delinquent Loans / Loans0.46%0.58%0.70%0.52%0.38%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital16.64%17.29%18.19%17.90%17.98%+134 bps
Net Worth / Assets16.64%17.29%18.19%17.90%17.98%+134 bps
Liquidity & Funding
Loans / Shares86.88%89.26%88.84%83.66%84.98%-191 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Navigator

Pascagoula, MS · Charter 24954 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 13 branches

Q2 2026

$406.7MAssets
$278.4MLoans
$327.7MShares
$73.1MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 126 of 1683).
  • Widest gap: efficiency ratio trails 34% of credit unions under $1B in assets (rank 572 of 1682).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.65%

Rank 181 of 1,683

Net Interest Margin

5.10%

Rank 126 of 1,683

Efficiency Ratio

72.64%

Rank 572 of 1,682

Equity / Assets

17.98%

Rank 333 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.65%0.35%0.74%1.18%Beats 89%181 / 1,683
Return on Equity9.20%2.67%5.89%8.74%Beats 78%366 / 1,681
Net Interest Margin5.10%3.31%3.82%4.32%Beats 93%126 / 1,683
Efficiency Ratio72.64%68.91%78.20%86.93%Beats 66%572 / 1,682
Asset Quality
Nonperforming Loans / Loans0.38%0.26%0.65%1.29%Beats 67%553 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.98%10.44%12.89%16.53%Beats 80%333 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.98%10.44%12.89%16.53%Beats 80%333 / 1,683
Liquidity & Funding
Loans / Deposits84.98%52.61%69.38%83.50%78th pctl374 / 1,683
Loans / Assets68.46%44.71%59.18%70.72%70th pctl500 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution