Well let's see.

Naruto as a person is dumb. He often doesn't even understand whats going on around him, however that said he has a very good combat sense, using his Jutsu's wisely (even though sometimes it doesn't seem all that wise at the start) - The first Zabuza, Neji, and Gaara semi-Transformed fight show this.
He has an incredible amount of determination, and becomes even more powerful when fighting for a precious person. And it seems that everyone he gets to know seems to become a precious person, maybe like the 4th who was said to think of every villager as a precious person. Naruto certainly isn't quite there yet but maybe getting closer.
His skill in Genjutsu, and Taijutsu is low, and his Ninjutsu is average for a genin ninja of Konoha.
However he is improving. Like Lee with Taijutsu, threw simple hardwork and determination he is becoming better at Ninjutsu, mostly through the walking on water, and earlier the tree climing excersises. However he has tremendous power, and stamina (mostly thanks to Kyuubi) but definately not only thanks to Kyuubi. Even when hes not using pure Kyuubi power it is stated that their chakras are mixing so even the "blue" naruto chakra is more abundant because of Kyuubi, but that doesn't mean that there wasn't already alot of his own anyway. I think Genin is still perfect for Naruto, even though he defeats Gaara (who is at least a jounin level battle). Although Naruto has an amazing sheer amount of power (his punches seem to hurt ALOT even though they are simple as far as style goes) his technique control and style, and overall understanding of the situations around him isn't even at Chuunin level. So in short, even though he is probably as powerful as some Jounin, and could probably beat some of them thanks to his combat inventiveness and Kyuubi's power he should continue working on those basic skills.

Basicly once he becomes less naive of things and smartens up a little bit (grows up), and trains a little bit more on the basic jutsu's and fighting techniques, then combines those with his own creativity and his other strong points, it'll be a short trip from Genin -> Jounin.