| Metric | Compass Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.8% | +3.9% | -7.7 pts |
| Share growth (YoY) | -5.8% | +3.3% | -9.1 pts |
| Loan growth (YoY) | +3.6% | +2.9% | +0.6 pts |
| ROA | 1.01% | 0.69% | +0.3 pts |
| ROE | 9.6% | 5.9% | +3.7 pts |
ROA ranks in the 71st percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $101.7M | $90.8M | $49.4M | $10.7M | $258K | 1.01% | 3.87% | 0.40% | 7,528 |
| Q4 2025 | $97.7M | $87.6M | $49.0M | $10.4M | $1.0M | 1.03% | 3.75% | 0.67% | 7,512 |
| Q3 2025 | $96.8M | $87.8M | $48.9M | $10.2M | $730K | 1.01% | 3.66% | 0.52% | 7,538 |
| Q2 2025 | $105.2M | $95.1M | $48.8M | $9.8M | $383K | 0.73% | 3.22% | 0.55% | 7,599 |
| Q1 2025 | $105.6M | $96.3M | $47.7M | $9.5M | $79K | 0.30% | 3.09% | 0.39% | 7,616 |
| Q4 2024 | $96.6M | $87.9M | $49.3M | $9.4M | $968K | 1.00% | 3.49% | 0.66% | 7,627 |
| Q3 2024 | $94.0M | $85.2M | $50.1M | $9.4M | $943K | 1.34% | 3.46% | 0.51% | 7,689 |
| Q2 2024 | $94.8M | $86.8M | $51.5M | $9.0M | $564K | 1.19% | 3.35% | 0.48% |
| Ratio | Compass Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 0.69% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 5.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 7,736 |
Loan mix (Q1 2026): real estate $15.5M · commercial $2.9M · consumer $25.5M · securities $35.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 78.7% | 62th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Compass Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Compass Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Compass Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Compass Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.