State credit union · Eureka, California · NCUA charter #61933
Compass Community
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $177.8M
- Total assets
- 6,307
- Members
- 11.9%
- Net-worth ratio
Compass Community scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $177.8M; members 6,307; net-worth ratio 11.94%; health rank #2,283 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,283 of 4,374 health · 2025Q4Compass Community · health 83/100 · $177.8M · 2025Q4
- NCUSIF 83/100
- CAMELS 11.9%
- HEALTH 0.04%
- NW -0.32%
- DELQ $177.8M
- ROA 6,307
- ASSETS #2,283/4,374
- MEM Southwest Louisiana
- RANK 61933
Call Report peers
Compass Community in the assets neighbourhood
Compass Community's $177.8M assets sit next to Southwest Louisiana ($177.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Compass Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
83 46th percentile higher than 46% 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
Compass Community - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61933 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Compass Community diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 80.68% here, 72.20% peer average (+8.48 pp).
- Largest lag: Return on Assets at -0.32% vs peer 0.62% (-0.94 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Compass Community: in-state Call Report ranks
- California health ordinal: #137 of 243.
- California assets place: #125 of 243.
- California membership ordinal: #144 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Compass Community
Compass Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $177.8M (2025Q4) to $180.9M (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.92% → 11.94%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.94% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.6 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.94% | -0.17 pp |
| Delinquency Rate | 0.04% | -0.85 pp |
| Return on Assets | -0.32% | -0.94 pp |
| Member Growth | 2.35% | - |
| Loan-to-Share Ratio | 80.68% | +8.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Compass Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $180.9M | - |
| 2025Q4 | $177.8M | 6,307 |
| 2024Q4 | $174.5M | 6,162 |
| 2023Q4 | $173.1M | 6,242 |
Credit Union Details
- Charter Number
- 61933
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- Eureka
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Compass Community runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Arcata (Main Office) | Arcata, CA |
| Henderson Center | Eureka, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Other-state peers near Compass Community
Compass Community's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($177.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
Using this data
- Compass Community ranks #2,283 of 4,374 nationally on financial health and #137 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CAMINO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CAMINO
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Compass Community financially healthy?
A 11.94% net worth ratio and a 0.04% delinquency rate feed into Compass Community's financial health score of 83/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,283 of 4,374; by total assets it ranks #1,364 of 4,374 nationally (same basis as /rankings/largest); and #125 of 243 within California. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Compass Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Compass Community's 83/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Compass Community?
Membership eligibility for Compass Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Compass Community directly for current membership requirements and application steps.
Is my money safe at Compass Community?
Federal credit unions like Compass Community are 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 Community's net worth ratio of 11.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Compass Community offer compared to banks?
Credit unions like Compass Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Compass Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.