BlastPoint's Credit Union Scorecard
COMPASS FINANCIAL
Charter #1068 · FL
COMPASS FINANCIAL has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency ratio 12.52% above tier (higher cost structure)
- - Member decline: -5.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,955
-5.6% YoY-1.7% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$24.9M
+5.8% YoY+4.0% QoQ
|
$-5.2M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$17.9M
-4.4% YoY-1.4% QoQ
|
+$2.1M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
66% |
| Deposits |
$21.3M
+3.4% YoY+4.2% QoQ
|
$-4.4M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.2%
-4.6% YoY-41.3% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
5.0%
+17.1% YoY+0.6% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Top 14.2% in tier |
| Efficiency Ratio |
95.1%
+0.3% YoY-0.4% QoQ
|
+12.5% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
0.2%
-76.3% YoY+47.1% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
84.0%
-7.6% YoY-5.4% QoQ
|
+23.4% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$9,898
+5.6% YoY+3.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
26.8%
+4.0% YoY+9.1% QoQ
|
+2.3% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)