State credit union · Sparta, Michigan · NCUA charter #62040
COMPASS
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $97.7M
- Total assets
- 7,512
- Members
- 10.5%
- Net-worth ratio
COMPASS scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $97.7M; members 7,512; net-worth ratio 10.51%; health rank #1,830 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,830 of 4,374 health · 2025Q4COMPASS · health 86/100 · $97.7M · 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
COMPASS sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where COMPASS diverges from peer averages
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.33 pp (0.99% vs 0.66%).
- Loan-to-Share Ratio trails the peer set - 55.91% here, 62.60% peer average (-6.69 pp).
COMPASS: in-state Call Report ranks
- Health composite ranks #91 of 171 among scored Michigan credit unions.
- Assets rank #114 of 171 inside Michigan ($97.7M reported).
- Membership ranks #109 of 171 among Michigan CUs with a reported count (7,512 members).
- One place up in Michigan, WAYNE-WESTLAND (#90) ties at 86/100; one place down, Team One (#92) ties at 86/100.
How COMPASS's 5300 filing moved
COMPASS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $97.7M (2025Q4) to $101.7M (2026Q1).
- Net-worth ratio shifted -0.16 pp (10.67% → 10.51%).
This credit union's 10.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
COMPASS gives up 14 points in total. Member Growth costs the most, 8.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 15.0 pts
- Member Growth 6.3 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.51% | -3.11 pp |
| Delinquency Rate | 0.67% | -0.29 pp |
| Return on Assets | 0.99% | +0.33 pp |
| Member Growth | -1.51% | - |
| Loan-to-Share Ratio | 55.91% | -6.69 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
COMPASS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $101.7M | - |
| 2025Q4 | $97.7M | 7,512 |
| 2024Q4 | $96.6M | 7,627 |
| 2023Q4 | $93.7M | 8,068 |
Credit Union Details
- Charter Number
- 62040
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Michigan
- City
- Sparta
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for COMPASS, spread across 2 cities.
| Office | City |
|---|---|
| Compass Credit Union (Main Office) | Sparta, MI |
| Compass Credit Union | Fremont, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Cross-state Call Report peers for COMPASS
Similar total assets
Using this data
- COMPASS ranks #1,830 of 4,374 nationally on financial health and #91 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Route 31 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Route 31
Frequently Asked Questions
Is COMPASS financially healthy?
COMPASS has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,830 of 4,374 nationally on health and #91 of 171 in Michigan. Its net worth ratio is 10.51% and its delinquency rate 0.67%.
How does COMPASS compare to other credit unions?
COMPASS scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (0.99% vs 0.66%). Its widest shortfall is loan-to-share ratio (55.91% vs 62.60%).
How can I join COMPASS?
Membership eligibility for COMPASS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact COMPASS directly for current membership requirements and application steps.
Is my money safe at COMPASS?
COMPASS is a state-chartered 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 10.51% 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.