BlastPoint's Credit Union Scorecard
COMPASS COMMUNITY
Charter #61933 · CA
COMPASS COMMUNITY has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 8.0% in tier
- + Organic Growth Engine: Top 24.7% in tier
- + Organic Growth Leader: Top 26.1% in tier
- + Relationship Depth Leader: Top 79.3% in tier
- + Emerging Performer: Top 94.7% in tier
- + ROA 0.08% above tier average
- + Total Delinquency Rate (60+ days): Top 2.4% in tier
- + Average Member Relationship (AMR): Top 3.7% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 5.5% in tier
- - Total Members: Bottom 6.6% in tier
- - Net Interest Margin (NIM): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,253
+1.2% YoY+0.5% QoQ
|
-9.4K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 6.5% in tier |
| Assets |
$175.4M
+1.0% YoY-1.5% QoQ
|
$-55.9M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
41% |
| Loans |
$123.3M
+8.9% YoY+0.7% QoQ
|
$-24.5M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$154.0M
+0.1% YoY-1.8% QoQ
|
$-46.3M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
0.9%
-387.8% YoY-17.4% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
2.7%
+27.6% YoY+3.0% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.6% in tier |
| Efficiency Ratio |
73.1%
-35.4% YoY+6.0% QoQ
|
-4.2% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.1%
-49.0% YoY+84.9% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
80.1%
+8.7% YoY+2.6% QoQ
|
+7.4% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$44,344
+2.6% YoY-1.2% QoQ
|
+$20K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.8% in tier |
| CD Concentration |
34.1%
+7.0% YoY+0.7% QoQ
|
+9.7% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.4%
+20876.7% YoY-10.4% QoQ
|
-9.6% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)