BlastPoint's Credit Union Scorecard
COMPASS FINANCIAL
Charter #1068 · FL
COMPASS FINANCIAL has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.05% above tier average
- + Strong member growth: 29.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 14.11% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.2% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,022
+29.5% YoY-1.6% QoQ
|
+1.4K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$24.0M
-5.4% YoY-2.7% QoQ
|
$-5.9M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$18.1M
-4.6% YoY-1.3% QoQ
|
+$2.4M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$20.4M
-8.5% YoY-3.4% QoQ
|
$-5.0M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
0.3%
-2.1% YoY+53.5% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
5.0%
+19.2% YoY+3.3% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
95.5%
-0.1% YoY-1.6% QoQ
|
+14.1% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.1%
-6.3% YoY-54.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
21% |
| Loan To Share |
88.8%
+4.3% YoY+2.2% QoQ
|
+27.6% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Top 12.4% in tier |
| AMR |
$9,582
-28.0% YoY-0.9% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
24.5%
-9.4% YoY-2.6% QoQ
|
+0.1% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)