Sep, 30, 2025 — NAVIGATOR CREDIT UNION is a federal credit union headquartered in MOSS POINT, MS with 13 branch locations and about $384.20 million in total assets. Opened 87 years ago in 1939, NAVIGATOR CREDIT UNION has about 47,356 members and employs 142 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NAVIGATOR CREDIT UNION |
|---|---|
| Address: (Main Office) | 6012 Highway 63 MOSS POINT, MS 39563 |
| Phone: | (228) 475-7300 |
| Fax: | |
| Website: | https://www.navigatorcu.org |
| Branches: | 13 branch locations |
| Members: | 47,356 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24954 |
|---|---|
| Membership Type: | Multiple common bond - other |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | May 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $384,196,799 |
| CEO/Manager: | Sonya Lawler |
| Chairperson: | Tommy Leonard |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 42,342,849 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 95,975,416 |
| Unsecured Loans | 39,470,547 |
| Other Loans | 142,604,059 |
| TOTAL LOANS | 278,050,022 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -6,461,878 |
| Land And Building | 9,011,961 |
| Other Fixed Assets | 1,350,095 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,155,547 |
| All Other Assets | 144,883 |
| TOTAL ASSETS | 384,196,799 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,905 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 6,130,717 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 71,424,917 |
| Regular shares | 157,152,453 |
| All Other Shares & Deposits | 82,926,685 |
| TOTAL SHARES & DEPOSITS | 311,504,055 |
| TOTAL LIABILITIES | 317,800,260 |
| Regular Reserve | 0 |
| Other Reserves | 2,131,289 |
| Undivided Earnings | 64,265,250 |
| TOTAL EQUITY | 66,396,539 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 384,196,799 |
| INCOME & EXPENSE | |
| Loan Income | 15,478,804 |
| Investment Income | 1,928,898 |
| Other Income | 5,111,834 |
| Total Employee Compensation & Benefits | 8,753,158 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 9,689,993 |
| Non-operating Income & (Expense) | 14,945 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 3,093,335 |
| Cost of Funds | 1,502,855 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 5,900,730 |
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