BlastPoint's Credit Union Scorecard

COMPASS COMMUNITY

Charter #61933 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

COMPASS COMMUNITY has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 1.9% in tier
+ Loan-to-Member Ratio (LMR): Top 3.7% in tier
+ Average Member Relationship (AMR): Top 3.9% in tier
+ Net Charge-Off Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average
- Efficiency ratio 0.75% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 5.5% in tier
- Total Members: Bottom 7.3% in tier
- Net Interest Margin (NIM): Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,307 +2.4% YoY+0.9% QoQ	-9.1K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 7.2% in tier
Assets	$177.8M +1.9% YoY+1.4% QoQ	$-54.1M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	42%
Loans	$126.0M +4.4% YoY+2.2% QoQ	$-21.4M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	51%
Deposits	$156.2M +1.0% YoY+1.4% QoQ	$-44.7M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	44%

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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	0.7% -310.6% YoY-20.3% QoQ	-0.1%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	44%
NIM	2.7% +24.2% YoY+1.8% QoQ	-0.9%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 9.4% in tier
Efficiency Ratio	77.8% -30.1% YoY+6.4% QoQ	+0.8%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	53%
Delinquency Rate	0.0% -89.0% YoY-25.4% QoQ	-0.9	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 1.9% in tier
Loan To Share	80.7% +3.4% YoY+0.8% QoQ	+8.5%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	66%
AMR	$44,735 +0.2% YoY+0.9% QoQ	+$20K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 4.0% in tier
CD Concentration	34.6% +5.7% YoY+1.3% QoQ	+10.2%	24.4%	21.7%	19.8%	50%
Indirect Auto %	4.0% -1.5% YoY-7.8% QoQ	-9.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#232 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 4.03%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#384 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 4.03%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#158 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.69%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 2.35%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: -

#21 of 1069 Top 1.9% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,976

Peer Median: -

#41 of 1069 Top 3.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $44,735

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: -

#98 of 1069 Top 9.1% in 100M-500M tier

261

Member Growth Rate

growth

Value: 2.35%

Peer Median: -

#261 of 1069 Top 24.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1011

First Mortgage Concentration (%)

balance_sheet

Value: 61.05%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

992

Total Members

engagement

Value: 6,307

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

969

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

899

Share Certificate Concentration (%)

balance_sheet

Value: 34.58%

Peer Median: -

#899 of 1069 Bottom 16.0% in 100M-500M tier

855

AMR Growth Rate

growth

Value: 0.17%

Peer Median: -

#855 of 1069 Bottom 20.1% in 100M-500M tier

825

Deposit Growth Rate

growth

Value: 1.02%

Peer Median: -

#825 of 1069 Bottom 22.9% in 100M-500M tier