Navigant Credit Union

1005 Douglas Pike
Smithfield, RI 02917
401.233.4700
www.navigantcu.org

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Navigant Credit Union is headquartered in Smithfield and is the 2^nd largest credit union in the state of Rhode Island. It is also the 138^th largest credit union in the nation. It was established in 1915 and as of September of 2011, it had grown to 189 employees and 48,942 members. Navigant Credit Union has a 5-star health rating.

3.15% Reward Checking Account at Navigant Credit Union in Rhode Island - 3/15/2009

Update 10/04/09: The top rate has fallen to 3.15% APY.Navigant Credit Union is offering a reward checking account called Journe Rewards Checking. The account offers the following features if certain monthly requirements are met:3.15% APY on balances from...

3.00% 6-Month CD at Navigant Credit Union in Rhode Island - 1/25/2009

Navigant Credit Union is offering a special 3.00% APY 6-month CD. Minimum deposit is $500. This rate is listed in the credit union's rate table as of 1/25/09.I can't find the details of membership eligibility. Some general information is described in the...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Navigant Credit Union Checking Account Rates

Apy	Min	Max	Product
1.75%	-	$25k	Journe Rewards Checking
0.25%	-	-	Relationship Checking
0.10%	-	-	Personal Checking

Navigant Credit Union Savings Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Statement Saving

Navigant Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$50k	-	Relationship Money Market Account
0.30%	$2,500	-	Money Market

Navigant Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Years CD
1.50%	$500	-	4 Years CD
1.25%	$500	-	3 Years CD
0.90%	$500	-	2.5 Years CD
0.85%	$500	-	2 Years CD
0.65%	$500	-	18 Month CD
0.50%	$500	-	12 Month CD
0.50%	$500	-	13 Month CD
0.50%	$500	-	15 Month CD
0.35%	$500	-	6 Month CD

Navigant Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	5 Year IRA
1.75%	$500	-	5 Year Roth IRA
1.50%	$500	-	4 Year IRA
1.50%	$500	-	4 Year Roth IRA
1.25%	$500	-	3 Year IRA
1.25%	$500	-	3 Year Roth IRA
0.90%	$500	-	2 1/2 Year IRA
0.90%	$500	-	2 1/2 Year Roth IRA
0.85%	$500	-	2 Year IRA
0.85%	$500	-	2 Year Roth IRA
0.65%	$500	-	18 Month IRA
0.65%	$500	-	18 Month Roth IRA
0.50%	$500	-	12 Month IRA
0.50%	$500	-	13 Month IRA
0.50%	$500	-	15 Month IRA
0.50%	$500	-	12 Month Roth IRA
0.50%	$500	-	13 Month Roth IRA
0.50%	$500	-	15 Month Roth IRA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011

Institution Statistics

NAVIGANT
NCUA #	62882
BankRate Report	View
Year Established	1915
Employees	189
Primary Regulator
Assets and Liabilities
Assets	$1.24 billion
Loans	$794.41 million
Deposits	$963.03 million
Equity Capital	$155.10 million
Loan Loss Allowance	$4.83 million
Unbacked Noncurrent Loans	$8.66 million
Real Estate Owned	$2.35 million
Historic Data - September 2010
Assets	$1.21 billion
Equity Capital	$154.92 million
Loan Loss Allowance	$4.69 million
Unbacked Noncurrent Loans	$7.23 million
Real Estate Owned	$4.10 million
Profit Margin - Quarterly
Net Interest Margin	3.5%
Return on Assets	0.28%
Return on Equity	2.2%
Interest Income	$34.91 million
Non-Interest Income	$3.30 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 Navigant Credit Union had $11.01 million in non-current loans and owned real-estate with $159.93 million in equity and loan loss allowances on hand to cover it. This gives Navigant Credit Union a Texas Ratio of 6.89% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Navigant Credit Union held steady from 7.10% as of September 30, 2010 to 6.89% as of September 30, 2011, resulting in a positive change of 2.97%.This indicates that the balance sheet and financial strength for Navigant Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Navigant Credit Union has increased its total deposits by $32.84 million, resulting in 3.53% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Navigant Credit Union has shown is above average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Navigant Credit Union has $1.24 billion in assets with $159.93 million in equity, resulting in a capitalization level of 12.92%, which is excellent.