BlastPoint's Credit Union Scorecard
COMPASS
Charter #17665 · NY
COMPASS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Total Assets: Bottom 1.1% in tier
- - Total Deposits: Bottom 1.2% in tier
- - Total Loans: Bottom 7.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 55 that size in New York.
- Shares and deposits +5.4% year over year ($85.0M in shares and deposits).
- Membership: 8,108 members, -0.0% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.24%.
- Efficiency ratio 73.96% vs a 76.73% peer average.
- Loan-to-share ratio 62.78% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,108
-0.0% YoY+0.0% QoQ
|
-7.1K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$101.5M
+5.3% YoY+2.4% QoQ
|
$-130.5M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 1.0% in tier |
| Loans |
$53.4M
+0.4% YoY-1.2% QoQ
|
$-92.9M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.3% in tier |
| Deposits |
$85.0M
+5.4% YoY+2.2% QoQ
|
$-115.7M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
Bottom 1.1% in tier |
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| ROA |
1.2%
+2.9% YoY-46.9% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
4.1%
+9.9% YoY+1.7% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
74.0%
+8.0% YoY+41.8% QoQ
|
-2.8% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.5%
-7.2% YoY-21.5% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
62.8%
-4.7% YoY-3.3% QoQ
|
-8.8% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$17,066
+3.4% YoY+0.8% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
12.7%
-17.8% YoY-14.4% QoQ
|
-11.8% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)