Navigant Credit Union

Overview

Mission

To provide financial services and support to our members and community.

What it reported doing in 2024

The credit union is a cooperative owned and directed by and dedicated to serving its members. The credit union has 71,412 loans totaling $3,362,407,243 due from members and $3,361,524,850 in 262,062 deposit accounts from members. Also $223,738 of fees were received from members renting 3,187 safe deposit boxes.

Operating model

Revenue model
Earned-program. 93% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

Nonprofit profile at a glance

EIN
050125860
IRS 990 coverage
2010–2024
Website reviewed
Jul 2026
Forms available
Form 990 2024, Form 990-N 2009
Headquarters
Smithfield, RI, USA
Rating confidence
Limited
Sector
Public, Societal Benefit

Official website

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The verdict

- This form does not report enough financial and governance detail to rate the organization. That is normal for this form and is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 53
  • Accountability: 45
  • Sustainability: 66
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 90.9%; rating input score 91; 7th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 11.9%; rating input score 12; 6th percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited
  • Public monitoring controls: 0 of 8 controls in place; rating input score 0
  • Public policy transparency: 1 of 7 controls in place; rating input score 14
  • Public financial transparency: 0 of 5 controls in place; rating input score 0
  • Impact reporting controls: 0 of 7 controls in place; rating input score 0
  • Public relationship transparency: No; rating input score 0

Accountability

  • Independent voting board: 18.2%; rating input score 18; 8th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
  • Public governance controls: 1 of 4 controls in place; rating input score 25
  • Zakat policy transparency: Limited

Sustainability

  • Operating margin: 8.1%; rating input score 67; 67th percentile among comparable filings
  • Operating reserve ratio: 20.83; rating input score 97; 97th percentile among comparable filings
  • Liabilities to assets ratio: 0.9; rating input score 12; 12th percentile among comparable filings
  • Officer compensation ratio: 3.1%; rating input score 37; 37th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 10.9% per year; rating input score 100; 79th percentile among comparable filings
  • Asset growth: 9.2% per year; rating input score 100; 66th percentile among comparable filings

Details

  • What they do: 1 operating location identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 2 of 11 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $1M · 22 people listed · 4 of 6 pay-setting controls reported
  • Consistency: 12 of 13 current checks pass · 1 finding to review
  • Schedules: 6 filed schedules · includes grants and executive pay
  • Filing history: 14 annual filings from 2010 to 2024
  • Money network: 31 filed money-flow records
  • Related organizations: 10 filed related-organization links