# COMPASS COMMUNITY
Eureka, CA · NCUA charter 61933 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/compass-community-61933

Who the members are: state charter, organized 1951, low-income designated. 6,315 members of 176,050 potential (3.6% of the field); checking penetration 41% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *participation buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $180.9M |
| Members | 6,315 (2.1% YoY) |
| Full-time staff | 23 |
| Net worth | $21.3M |
| Net worth ratio | 11.8% (p52 of band) |
| ROA (annualized) | 0.44% (p33 of band) |
| Total delinquency | 0.00% (p1 of band) |
| Net charge-offs (annualized) | 0.08% (p18 of band) |
| Loans / shares | 82% (p74 of band) |
| Cash / assets | 10.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.80% (p9 of band) |
| Operating expense / assets | 2.60% (p16 of band) |
| Vehicles % of loans | 12% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 69% (p62 of band) |
| Vehicle delinquency | 0.03% (p8 of band) |
| Vehicle NCO | 0.28% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 82% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 37% |
| Average share balance | $16,838 |
| Participations bought / yr | $9.4M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.0M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $38,165 |
| Loans granted, annualized | $35.6M |

## Participation posture (from the same filings)

Bought $9.4M and sold $0 in the latest annualized quarter; $10.0M outstanding purchased (47.0% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 1 |  | delinquency rising |
| 2018-09 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2018-12 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2019-03 | 0 |  | 3rd-party paper>100% NW |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | losing money |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 1 |  | losing money |
| 2021-06 | 2 | delinquency rising |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | members leaving |  |
| 2022-03 | 2 |  | net worth falling |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | members leaving |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | net worth falling |  |
| 2023-12 | 1 | losing money | net worth falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 3 | net worth falling, delinquency rising |  |
| 2024-09 | 2 |  | net worth falling |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 | net worth falling | losing money |
| 2025-06 | 0 |  | delinquency rising, net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-01-21 [Compass Community Credit Union celebrates 75th anniversary - CUInsight](https://news.google.com/rss/articles/CBMioAFBVV95cUxNN0hUanRHSklVVEJoWFNhTVZ1OTFzY3pkN2R0QndVRC1CTzJfaHlCMjcwcHRBdDNtb3hzLThYYi1EUTZITE1pZlVXLWUtM29xcDA4Rm1tVThHX0VEaG1jQTBkRU4tLURSYk1fLVVmV3NqSjJnSmlzY2dCR0Izajd0b1NQS24zVGNfSmJQdVQxb2ZzaGswOXFsVjdxQ2EwQ2ow?oc=5) · CUInsight
- 2026-08-06 [Compass Community Credit Union Hosts Two Life-Saving Blood Drives - Redheaded Blackbelt](https://news.google.com/rss/articles/CBMingFBVV95cUxQX0ZlSEM4U1NycVZGdnFTNzlPaF9UanB2MnVfRTdkaS1nUTZNTHNrdVZ5ckJ0UUZXMUtYVGhsZFJfRGVNRW1samJGMUVsWTVUdmJDUUdRR0ZNV05wZldVRFFVTE9Va2ljd2k3b0dEMjgtVXFvSlZtQVRjUnkwNWNYMHo3MjVaSTFha2wxR0UxcHZJeS14aU53OHRfc01uZw?oc=5) · Redheaded Blackbelt
- 2025-08-29 [Compass Community Credit Union supports two local non-profits - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxOUlQzVmJuVDFLSEFZN3d0M2NQTmxEdURwX2huNWQ1Vm5UR0tLRm9mRmhSYXhDVGVENXVCNm9vMF9uREtxdUlHUGlkbUFyREd0a1BiRWJFTUlua1FCZ0tIbGl5a1JoQUFnLW12bFZYSnVNXzhfeHF5WHItWFp0SDJCcjAyOWlKSy0tMHFTV1dnN3BBVHJObkpRa2Y1ZW5tbE9taWlPWQ?oc=5) · CUInsight
- 2024-01-13 [For the Second Year Running, Coast Central Credit Union Board Election Sees Challenger Focused on Transparency, Greater Member Involvement - Lost Coast Outpost](https://news.google.com/rss/articles/CBMickFVX3lxTE1tRDRnVWtZUnJ0ckVTSHc4WUFzYjF0X0VJOU4tRFlXV0dOUXlYeG43X2oxNnNJbm5ZWWZTRHNfZy01aHlkQjdRVEtfczFiR3ZLcEZBQUtCd3ZNQXl4aHVyUTJGSEZkU2YyUUNBNEt5Y1VKdw?oc=5) · Lost Coast Outpost
- 2024-01-09 [MyCUmortgage signed 13 credit unions as new clients in 2023 - Inman Real Estate News](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQXNrV1FHWFRsZXYwR2FXRUlUcDk0TnM3ZHVKNkd3R3NQSjRHZzRlbnI5eUdFNWNYRGI4T2ZaMmVDVWxjUnRrSktNRjhyc1lMTlQxbFpiQ0YwOWxhTVk5QmtiZ3NKeUwtNVI2XzBTdUk2S1B5dUswZDV3R3c1TVRfQXpJZHFUUUY3RmRCN1RvQW5RbURCY2xFaQ?oc=5) · Inman Real Estate News
- 2022-03-17 [Compass Community Credit Union opens new branch in Arcata - CUInsight](https://news.google.com/rss/articles/CBMinwFBVV95cUxPYnlIbUxoek5tY2t1ZGMtOHRjUDJOdXg1bTJGbTNOdjFMaDA2UUxxTTdKaEI4OFJwcnA3bkpBaVBQU2lmaFowYWFvcWdMQ0cyLTdOMmRqZUIwQ0g4NHVsVndBMkx3ajNtRHBUQ0VpMUk2Q1I4OGJjU0ZoMWNlY1J3bjBhUnZWankwbkVZNDNrdlNmN2FDaU9zelFkMXlpMXc?oc=5) · CUInsight
- 2018-05-08 [Moulton Wins Season Opening Thriller At The Acres - Mad River Union](https://news.google.com/rss/articles/CBMikwFBVV95cUxNeTVWamQ0X2RXM1NfMFdBS0htT0YzeDlKWkpxMU0wVHNydHFiMUNlc1pQcEtvTF8yeEF4QmJzd3hqV0FHVmZlZmh0SkdEeUN5MFBRbHM5ZlVQVXl4cVhGa1RELXYwSkJLMUJSSDVkTHJvZEtjeVdaRlZ2Q2xxUUUzZWlDVzJJLXB6X2ZjQUdyT2M3UE0?oc=5) · Mad River Union
- 2019-07-16 [Big Night of Racing Action Scheduled for Redwood Acres This Weekend - Lost Coast Outpost](https://news.google.com/rss/articles/CBMilwFBVV95cUxQZnlHakNkOTRMRk43U1ZaZnJVVTRMZW5tbzRvemsxeUNhTVZYZEdSbFNQUjJ6RE1IeUZJV3lReXpuaEpMbUFjd0dvMTFfWUdwcG5aejRteDdmTl9mRHBwb3lUUlg2c19TMGg2UVd1b2x0bE5hdGZwaVVzdGRvZ28wVldSa2ZSeE90VjhyS2pYTGlyV3hVV1lj?oc=5) · Lost Coast Outpost

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=61933 (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/45.json (key "61933", 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=61933
- 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