BlastPoint's Credit Union Scorecard

COMPASS FINANCIAL

Charter #1068 · FL

<100M

2508 CUs in <100M nationally 35 in FL

COMPASS FINANCIAL has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.91% above tier average

Key Concerns

Areas that may need attention

- Efficiency ratio 7.48% above tier (higher cost structure)
- Member decline: -4.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	3,957 -4.6% YoY+0.1% QoQ	+1.3K	2,676 +1.6% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	79%
Assets	$25.1M +4.5% YoY+0.6% QoQ	$-5.1M	$30.2M +1.3% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	54%
Loans	$17.7M -3.6% YoY-0.8% QoQ	+$2.4M	$15.3M -2.0% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	67%
Deposits	$21.5M +2.7% YoY+1.2% QoQ	$-4.2M	$25.8M +0.7% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	54%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -75.4% YoY-30.5% QoQ	+0.0%	0.1% -77.6% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	27%
NIM	4.9% +5.3% YoY-2.0% QoQ	+0.9%	4.0% +4.0% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	Top 13.0% in tier
Efficiency Ratio	98.1% +5.8% YoY+3.2% QoQ	+7.5%	90.6% +6.5% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.4% +30.1% YoY+156.2% QoQ	-1.1	1.5% +3.8% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	40%
Loan To Share	82.3% -6.1% YoY-2.0% QoQ	+23.8%	58.5% -3.0% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	84%
AMR	$9,924 +4.6% YoY+0.3% QoQ	$-5K	$14,884 -1.7% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	28%
CD Concentration	27.0% +6.2% YoY+0.8% QoQ	+2.7%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	10.8%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

290

Fee Income Per Member

profitability

Value: $149.12

Peer Median: $60.42

#290 of 2508 Top 11.5% in <100M tier

326

Net Interest Margin (NIM)

profitability

Value: 4.92%

Peer Median: 3.83%

#326 of 2508 Top 13.0% in <100M tier

398

Loan-to-Share Ratio

balance_sheet

Value: 82.32%

Peer Median: 58.72%

#398 of 2508 Top 15.8% in <100M tier

535

Total Members

engagement

Value: 3,957

Peer Median: 1,918

#535 of 2508 Top 21.3% in <100M tier

Top Weaknesses (4 metrics)

2060

Efficiency Ratio

profitability

Value: 98.11%

Peer Median: 81.45%

#2060 of 2508 Bottom 17.9% in <100M tier

2042

Member Growth Rate

growth

Value: -4.63%

Peer Median: -1.37%

#2042 of 2508 Bottom 18.6% in <100M tier

1961

Share Certificate Concentration (%)

balance_sheet

Value: 26.97%

Peer Median: 12.45%

#1961 of 2508 Bottom 21.9% in <100M tier

1891

Net Worth Ratio

risk

Value: 10.99%

Peer Median: 14.28%

#1891 of 2508 Bottom 24.6% in <100M tier