Navigator Credit Union

Navigator Credit Union is headquartered in Pascagoula and is the 2^nd largest credit union in the state of Mississippi. It is also the 734^th largest credit union in the nation. It was established in 1939 and as of December of 2012, it had grown to 108 employees and 41,174 members. Navigator Credit Union's savings rates are 11X the national average, and it boasts a 5-star health rating.

Navigator Credit Union Routing Number: 265377950

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Data for Q4 2012

Institution Statistics NAVIGATOR CU NCUA # 63637 BankRate Report View Year Chartered 1939 Employees 108 Primary Regulator Assets and Liabilities Assets $263.23 million Loans $191.17 million Deposits $226.75 million Equity Capital $34.77 million Loan Loss Allowance $5.63 million Unbacked Noncurrent Loans $2.53 million Real Estate Owned $408,000 Historic Data - December 2011 Assets $246.56 million Equity Capital $32.19 million Loan Loss Allowance $4.93 million Unbacked Noncurrent Loans $1.97 million Real Estate Owned $340,000 Profit Margin - Quarterly Net Interest Margin 5.75% Return on Assets 0.98% Return on Equity 7.44% Interest Income $13.05 million Non-Interest Income $6.69 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 December 31, 2012 Navigator Credit Union had $2.94 million in non-current loans and owned real-estate with $40.4 million in equity and loan loss allowances on hand to cover it. This gives Navigator Credit Union a Texas Ratio of 7.28% 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 Navigator Credit Union held steady from 6.23% as of December 31, 2011 to 7.28% as of December 31, 2012, resulting in a negative change of 16.73%. This indicates that the balance sheet and financial strength for Navigator Credit Union has held steady in recent periods. Deposit Growth In the past year, Navigator Credit Union has increased its total deposits by $13.7 million, resulting in 6.43% 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 Navigator Credit Union has shown is excellent. 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. Navigator Credit Union has $263.23 million in assets with $40.4 million in equity, resulting in a capitalization level of 15.35%, which is excellent.

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