Credit union · NCUA insured
Navigator Credit Union
Top CarrotA $398.8M credit union headquartered in Moss Point, MS, with 47,480 members and 12 branches in 2 states. Best rates: CDs 1.45% and savings 0.40% APY.
Navigator Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 76% of U.S. banks and credit unions
#5 of 18 in Gulfport, MS metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Navigator Credit Union
Navigator Credit Union is a member-owned, not-for-profit financial partner serving Gulf Coast communities.
- Headquarters
- 6012 Highway 63, Moss Point, MS 39563
- NCUA charter
- 24954
Branches
12 branches in 2 states
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Mississippi
8 branches
- Moss Point BranchMain office6012 Highway 63, Moss Point, MS 39563Directions
- D'Iberville4004 Promenade Pkwy, D'Iberville, MS 39540Directions
- Gautier Branch1850 Highway 90, Gautier, MS 39553Directions
- Gulfport Branch11281 Highway 49, Gulfport, MS 39503Directions
- Hurley Branch7305 Highway 614, Moss Point, MS 39562Directions
- Ocean Springs Branch3811 Bienville Blvd, Ocean Springs, MS 39564Directions
- Jackson Ave Branch1201 Jackson Ave, Pascagoula, MS 39567Directions
- Vancleave New Branch11004 Highway 57 Unit A, Vancleave, MS 39565Directions
Alabama
4 branches
Mobile area · 3
- Cottage Hill5229 Cottage Hill Rd, Mobile, AL 36609Directions
- Midtown1950 Government St, Mobile, AL 36606Directions
- Schillinger Branch2515 Schillinger Rd South, Mobile, AL 36695Directions
Daphne area · 1
- Daphne28520 US Highway 98, Daphne, AL 36526Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 17.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.38% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.70% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $85 | $76 | — |
- CapitalNet worth ratio17.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.38%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.70%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$85Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Navigator Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.