# COMPASS
Oswego, NY · NCUA charter 17665 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/compass-17665

Who the members are: federal charter, community charter, organized 1966, low-income designated. 8,107 members of 118,162 potential (6.9% of the field); checking penetration 79% (share draft accounts per 100 members); loans per 100 members 42.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $99.1M |
| Members | 8,107 (0.2% YoY) |
| Full-time staff | 25 |
| Net worth | $15.1M |
| Net worth ratio | 15.3% (p72 of band) |
| ROA (annualized) | 2.33% (p98 of band) |
| Total delinquency | 0.59% (p49 of band) |
| Net charge-offs (annualized) | 0.34% (p59 of band) |
| Loans / shares | 65% (p56 of band) |
| Cash / assets | 17.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p70 of band) |
| Operating expense / assets | 2.62% (p19 of band) |
| Vehicles % of loans | 19% (p13 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.91% (p66 of band) |
| Vehicle NCO | 0.05% (p39 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 77% |
| Certificates % of member funds | 15% |
| Average share balance | $4,541 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 42% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $15,827 |
| Loans granted, annualized | $7.9M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | repo signal |  |
| 2016-12 | 1 | net worth falling | repo signal |
| 2017-03 | 2 | margin squeeze, delinquency rising | net worth falling |
| 2017-06 | 2 |  |  |
| 2017-09 | 1 |  | margin squeeze |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 2 | delinquency rising, members leaving |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | members leaving |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2020-06 | 2 | net worth falling, margin squeeze | delinquency 2x band, delinquency rising |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | delinquency 2x band |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 1 |  | delinquency 2x band, net worth falling |
| 2021-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2021-12 | 0 |  | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-03 | 1 | delinquency 2x band |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | assets shrinking |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | assets shrinking |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-06-30 [Compass Federal Credit Union Partners with Plaid to Easily Connect Members to Financial Apps - Oswego County Today](https://news.google.com/rss/articles/CBMizgFBVV95cUxNek1kMTBzMkRwcmVqSmhkVjBCODlmWWd5b3NKVW1FZjZIbFRGWFZLMDByUEZLYW16bEFvT3BRaTVBZjFiU2NuNEc1dVZiTjY3VHFrRzh5Yk1MSUpJNlZXTGpzUkpRNUdxeWctVGN0ZnNiVXZXRXFGYndDcFlib2ZfaWJWcHpaR3BIYVJKdVpsc0VFR25jY3RqenpDMGhOd3lXcmZZaDQ4cV9xN1lJQ08yMElDRS1CMXZpWERtNmN5dDhGemR6RkZoZVA0clJYdw?oc=5) · Oswego County Today
- 2026-06-24 [Unsung Heroes, a Rising Star and the Teen of the Year | Teen Of The Week - Oswego County News Now](https://news.google.com/rss/articles/CBMi-AFBVV95cUxOa0ZnbkFOajJYZzhyb3h4VnB6Tnc2RHZiZEhxMDNyQUFlYVllM1psdjkxX043bDc1Rl95VFB0c0txUWtZTkwxckFtakk0bXoxblFCT3cwY1dBa01pSURoSTk5cTVQbFBfTk9SZXlISDY0bVozVHNQSW9uUUM2dU1rajJYN2xRcHNCNDRvX1pKQk00RmxudEE1YVhvNXRfUy1tRllSTUlFTVFmR0I2NjFCVDQ3U01TNXBGX0ZDek56NVViUENXVnFON1RoakNyQzVsbVBFdERSS2tjUHlQN2gwX0haZnVWV1NrNDRGN1hFaFJZT3lmdWtWbw?oc=5) · Oswego County News Now
- 2024-06-12 [Jennifer Rupert, Chief executive officer, Compass Credit Union - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1fejkxLXZoY2ZaeGlDMzJ4WENBRlBGMmt1TGM0Xy1FaThlOXdIRGswdlp5ZkJ3cThwakE4V3VqVXJqclN4azluRzlsaU9xVWJtS3h4R1JQRkxfOFNVZ3c?oc=5) · Oswego County Business Magazine
- 2019-06-25 [Fulton Groundbreaking Begins New Chapter for Compass Federal Credit Union - Oswego County Today](https://news.google.com/rss/articles/CBMitwFBVV95cUxPRkc1TjhpZnFla203Z2tpOUVxdWg2LTZydUFCYjZ6dV9BOGtDemdnVnNZVFBxNnBLZzFob2lDcUlaaHptX2htZ1VYMlNJT0gzd3pFcVRDbEhtbE9DdHMxNHpVOGJ5bWpCUFlicktES01GZ18ySlVTaWlOMlVWQjFLNFFWNUp6RkFuMkFqRWJaUlVUdDJIdV9tZldmbEwwbU8yMF9YZi1yQlcyZ1M1a2g1TkJhNm84TTQ?oc=5) · Oswego County Today
- 2025-11-15 [$6.94M Vending machine overcharge class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPQWstd09aZTFlSU1pQUpxTHA0eWZ0RWF2NzVCN3RHckRjREdUbTdXZjBDSHdSUUc0YVpzcTI0VFhVQURnOUVSdWF1WTdoWUZOYjNYZkVSNjNLNlBlR1dFa2tLMW5xbUdPdXhsQXVKaWM5MURnVkh4dnRhQkJFUlMyVkdnWXhVVnRKS2Y0d3pJSWxVd0JpRFh5dUVrWlhOWWp5WVpxbGZXa2V0OW56Rm1HRnNrSGxUYU9YbWJhYXktOGNJQQ?oc=5) · Top Class Actions
- 2020-05-09 [Company news: Jennifer Rupert named CEO/manager of Compass Federal Credit Union - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2026-04-11 [Credit Unions Continue to See Growth in Membership, Assets - Oswego County Business Magazine](https://news.google.com/rss/articles/CBMilgFBVV95cUxPMERkZzJiZ3FTcWs2eEFoOUpRbUFCNTFPV2N0ckN3OXNVM1p5d3Zrb0UtMzZTRVp1QldlTUpTSmlpRmhhekQtNDllMWdadGlad2R6N21Qb052VDhwdlJ4TUlCZHdMOFcteERkSFVjTzgyWFdwMTN3RlJ6R21mS25sZmtDLVJ5S1U3OTRTNWFuSl9jWjdZZHc?oc=5) · Oswego County Business Magazine
- 2016-04-01 [Compass Credit Union Announces Merger - Oswego County Today](https://news.google.com/rss/articles/CBMihAFBVV95cUxNNUF1c002Wl9pMEZoYW1qeno5Rl9KVElCZ182TWJJb0w5TWl4M3h4OTN4YW1Rc0xrZkZ2N01Cb1luUVhwemE0RzE5cUpDQXBBWXJCS0N5elhLcTVhdUlGODRkU1FiVkJlN0NBMXdHY200ekZUS19IWS1GVDg4OHp5RlRjLVU?oc=5) · Oswego County Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17665 (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/1.json (key "17665", 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=17665
- 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.

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