Federal credit union · Oswego, New York · NCUA charter #17665
COMPASS
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $101.1M
- Total assets
- 8,131
- Members
- 15.3%
- Net-worth ratio
COMPASS scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $101.1M; members 8,131; net-worth ratio 15.25%; health rank #905 of 4,374; healthier than 77th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#905 of 4,374 health · 2025Q4COMPASS · health 91/100 · $101.1M · 2025Q4
Call Report peers
COMPASS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
COMPASS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); COMPASS sits in 90-94 with 747 others.
91 Top 23% higher than 77% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
COMPASS: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 15.25% here, 12.11% peer average (+3.14 pp).
- Loan-to-Share Ratio trails the peer set - 64.48% here, 72.20% peer average (-7.72 pp).
Where COMPASS sits in New York
- New York health ordinal: #50 of 272.
- By total assets, COMPASS is #88 of 272 in New York.
- Member book place in New York: #82 of 272.
- One place up in New York, Moog Employees (#49) ties at 91/100; one place down, Westchester Schools' (#51) ties at 91/100.
COMPASS: 2025Q4 → 2026Q1
COMPASS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.9% from $101.1M (2025Q4) to $99.1M (2026Q1).
- Net-worth ratio shifted +0.52 pp (14.73% → 15.25%).
At 15.25%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
COMPASS gives up 9 points in total. Member Growth costs the most, 5.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.5 pts
- Return on Assets 15.0 pts
- Member Growth 9.4 pts
- Loan-to-Share Ratio 14.1 pts
COMPASS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.25% | +3.14 pp |
| Delinquency Rate | 0.75% | -0.14 pp |
| Return on Assets | 0.74% | +0.12 pp |
| Member Growth | 0.35% | - |
| Loan-to-Share Ratio | 64.48% | -7.72 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
COMPASS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $99.1M | - |
| 2025Q4 | $101.1M | 8,131 |
| 2024Q4 | $89.3M | 8,103 |
| 2023Q4 | $84.9M | 7,917 |
Credit Union Details
- Charter Number
- 17665
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Oswego
- Data Quarter
- 2025Q4
Branch Locations (7)
COMPASS operates 7 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Compass Federal CU (Main Office) | Oswego, NY |
| Fulton Officwe | Fulton, NY |
| Novelis Plant | Oswego, NY |
| First St | Oswego, NY |
| Compass Credit Union Office | Oswego, NY |
| Administrative Offices | Oswego, NY |
| Disaster Recovery Site | Sandy, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- COMPASS ranks #905 of 4,374 nationally on financial health and #50 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Leatherstocking Region is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Leatherstocking Region
Frequently Asked Questions
Is COMPASS financially healthy?
COMPASS has a financial health score of 91/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #905 of 4,374 nationally on health and #50 of 272 in New York. Its net worth ratio is 15.25% and its delinquency rate 0.75%.
How does COMPASS compare to other credit unions?
COMPASS scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.25% vs 12.11%). Its widest shortfall is loan-to-share ratio (64.48% vs 72.20%).
How can I join COMPASS?
COMPASS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact COMPASS directly for the exact boundaries and application steps.
Is my money safe at COMPASS?
COMPASS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. COMPASS's net worth ratio of 15.25% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.