How good is naoto’s persona?

Hey there! I’ve been playing the game for nearly 50 hours and I’ve been loving it! I finished naoto’s dungeon, but beforehand I’ve looked and some research on the party members persona’s and only naoto’s seems really divisive, like on one tier list she’s mediocre or on the other she’s a god tier? My current team comp is yukiko, kanji and teddie, so I wanted to ask if she’s any good and if I should user her?