# COMPASS FINANCIAL
Hialeah, FL · NCUA charter 1068 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/compass-financial-1068

Who the members are: federal charter, multiple common bond, organized 1936, low-income designated, minority depository institution. 3,957 members of 682,826 potential (0.6% of the field); checking penetration 22% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $25.1M |
| Members | 3,957 (-4.6% YoY) |
| Full-time staff | 10 |
| Net worth | $2.8M |
| Net worth ratio | 11.0% (p23 of band) |
| ROA (annualized) | 0.14% (p29 of band) |
| Total delinquency | 0.41% (p40 of band) |
| Net charge-offs (annualized) | 0.47% (p75 of band) |
| Loans / shares | 82% (p84 of band) |
| Cash / assets | 19.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.92% (p85 of band) |
| Operating expense / assets | 7.13% (p94 of band) |
| Vehicles % of loans | 78% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.52% (p52 of band) |
| Vehicle NCO | 0.17% (p74 of band) |
| Repossessed % of vehicle book | 0.53% (p97 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 27% |
| Average share balance | $7,289 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,180 |
| Loans granted, annualized | $7.3M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 5 | losing money |  |
| 2016-09 | 4 |  | losing money |
| 2016-12 | 4 |  |  |
| 2017-03 | 8 | losing money, margin squeeze, delinquency rising, members leaving |  |
| 2017-06 | 8 | loan book shrinking | delinquency rising |
| 2017-09 | 8 |  |  |
| 2017-12 | 9 | assets shrinking |  |
| 2018-03 | 7 |  | margin squeeze, loan book shrinking |
| 2018-06 | 7 | net worth falling | repo signal |
| 2018-09 | 7 | repo signal | net worth falling |
| 2018-12 | 6 |  | repo signal |
| 2019-03 | 4 |  | charge-offs p90, members leaving |
| 2019-06 | 7 | charge-offs p90, repo signal, members leaving |  |
| 2019-09 | 5 |  | charge-offs p90, repo signal |
| 2019-12 | 8 | delinquency rising, charge-offs p90, loans>95% of shares |  |
| 2020-03 | 6 |  | delinquency rising, loans>95% of shares |
| 2020-06 | 7 | net worth falling, margin squeeze | assets shrinking |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 7 |  |  |
| 2021-06 | 4 |  | charge-offs p90, net worth falling, margin squeeze |
| 2021-09 | 4 |  |  |
| 2021-12 | 5 | assets shrinking |  |
| 2022-03 | 4 |  | assets shrinking |
| 2022-06 | 3 |  | losing money |
| 2022-09 | 3 | loans>95% of shares | members leaving |
| 2022-12 | 3 | net worth falling | loans>95% of shares |
| 2023-03 | 6 | losing money, margin squeeze, repo signal |  |
| 2023-06 | 7 | delinquency rising |  |
| 2023-09 | 5 |  | net worth falling, repo signal |
| 2023-12 | 4 |  | margin squeeze |
| 2024-03 | 5 | repo signal, assets shrinking | losing money |
| 2024-06 | 5 |  |  |
| 2024-09 | 3 | members leaving | delinquency rising, repo signal, assets shrinking |
| 2024-12 | 4 | delinquency rising, assets shrinking | members leaving |
| 2025-03 | 3 |  | delinquency rising |
| 2025-06 | 3 | net worth falling | assets shrinking |
| 2025-09 | 3 | assets shrinking | net worth falling |
| 2025-12 | 3 | members leaving | assets shrinking |
| 2026-03 | 5 | net worth falling, repo signal |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-10 [These are the best promotional CD rates available today (up to 4.75% APY) - Yahoo Finance](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUDRHai1TWVUzZW12Y0lPR1dzcHNMeW0yNXE5RUxxS3BwTWt0ZENtVWg2amxwSnhYcVpNRXk1TzBZNHB5LTUwWWlMTEFlZktKWVB4Sl80NndIcXUzNDZ6MGpSOEZ4T1hpbk1teEFsQ3F5QU5XWko0MGMtcVA4bUlxT1B5cXRuMkJoQnFPUEVhNkVqYVEtUEIxb3lyWll2QUx5?oc=5) · Yahoo Finance
- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2024-09-23 [Google Wallet now supports 47 more US banks (and one new service) - androidpolice.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPNlpuR1J6Q2JwOXFsMExVdW1KWXhaUk1CTXVpdk1vMndxbjBJNWw2TzEza1NPV2FDdE1KU3gwdEdIWjJYUWpQZzZpcXdYaThzZnhaXy1ZYUpINjZaTjhCb001aE9taVdtMklUMkZZVlB3WkFDOUUxNFdudncxX0NfaVNFZk5jR1I0VmlMZE1ka2JoQy1sYXlN?oc=5) · androidpolice.com
- 2016-02-29 [Senior-level hires and promotions for the week of Feb. 29, 2016 - Miami Herald](https://news.google.com/rss/articles/CBMifkFVX3lxTE5jZ2tOSFdSZU5nNUxnQ3BBOVZ0UGpwQTB5WlBDX3VIcUgtN3Jfak0wb2NNeGV2bmZrT3lWUzdZekZUVFlYLTExZC1mS05rdjJjVFlzWUx5Sm0xclp1dlhnLVUtbV9CVkZMdkRGeGZVYjlhc2x4eE81LXR6aHlMUdIBfkFVX3lxTE5xZjlLN1ZPTUFFbXRRRFAxS0RVanFoejA0MkpmZk41UlBIbjFYSHhZbWpMRl8zcnB5ZUswVnlhcU1UenNPWmxkUGRjR1RXcDJ2UEMzcEVzRmhGRlRwUC1hOE5UamNpcVp6a0l6MUo4QUFCMmx2XzE1Wmp3U3dRQQ?oc=5) · Miami Herald
- 2022-11-10 [Second Chance Checking Accounts By State - Lee News Central](https://news.google.com/rss/articles/CBMisAFBVV95cUxNOW82MnUyWmVEZUJGbTJMUkhhOTI3eDFWLUxEZnIteV9BVmlnRTZLYzZJY29TeWRKZ0p4NHhBbVUzejVscnRWTG5BcW5Pc2tVQU9fMG04RFpLMGNMT05UaTlMTTRWVlB6Y1NRNkt6dTk0cWU4dVB0VWZHWC1MY0tBanRsWjZlNjJ2RGhrM21kd3M4ek5DLXgwZzg5YWVzUkRzeUpZMExhUjRCWER5MnFWOA?oc=5) · Lee News Central
- 2013-04-28 [Compass Financial Federal Credit Union Appoints Priscilla Rosario As AVP - Branch Manager - PRLog](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPYjdpVFdXTk51NjN1b3hWUkNubzcxdUN5c1A0QlZxSEVnZnhkVnR6ZUdTdUc3Uk1SX3VCME11OFc5MloxRWJ3bXc5WU0yYTk1eHZfSmxwb1pyS3dZQk5MZWxaT1N0ajJHWUpSZXRyLVhKX0NobjhGLVNPNWpJbkNYQ20zOTlDZE80N1BQMEJTaGNuMjhaZWtsemFhWHExYTNHaFU2UDNKc3RCZFNfNDk2Z3owYWd1d3VjS2FLWjVjb2s?oc=5) · PRLog
- 2016-02-12 [Benji Auto Sales Named January 2016 Dealer of the Month by Compass Financial Federal Credit Union - PRLog](https://news.google.com/rss/articles/CBMizgFBVV95cUxNTmxQQThZcjA1M3F6aDhwcXl1dF9nRGhOb0JOcG9CRjk3OUtqTy1KWUZqY2xHQ2RMNnZFMUxDam82Z2lsZHdXcVNHamxEbElab05mTFFnbWotY0ZhazNpek1DSGg5SFBoNGxzdzdoVEx0Sk1nNWtjQ0taX2haOEtTSlA1aG10Y3NiTk5FTHlUMGZqM1JWQ2xJOVJnaXZsYzZSaThrUVlyalRYQXlrSzVMS1pkdm9xVVVBbi1zZW1jNjdMSWNaR3NRQWFEZXRwdw?oc=5) · PRLog

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1068 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/44.json (key "1068", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1068
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide