Federal credit union · Hialeah, Florida · NCUA charter #1068
Compass Financial
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $24.9M
- Total assets
- 3,955
- Members
- 11.0%
- Net-worth ratio
Compass Financial scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.9M; members 3,955; net-worth ratio 10.99%; health rank #2,617 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,617 of 4,374 health · 2025Q4Compass Financial · health 81/100 · $24.9M · 2025Q4
- NCUSIF 81/100
- CAMELS 11.0%
- HEALTH 0.16%
- NW 0.20%
- DELQ $24.9M
- ROA 3,955
- ASSETS #2,617/4,374
- MEM Center City Community
- RANK 1068
Call Report peers
Compass Financial in the assets neighbourhood
Compass Financial's $24.9M assets sit next to Center City Community ($24.9M) 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 Financial 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
81 39th percentile higher than 39% 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 Financial - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1068. See our deposit-insurance coverage note.
Where Compass Financial diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +24.22 pp (84.02% vs 59.80%).
- Largest lag: Net Worth Ratio at 10.99% vs peer 14.86% (-3.87 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Compass Financial: in-state Call Report ranks
- Florida health ordinal: #79 of 109.
- Florida assets place: #95 of 109.
- Member book place in Florida: #80 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Compass Financial Call Report trajectory
Compass Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $24.9M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.05% → 10.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 10.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.5 pts
Compass Financial health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.99% | -3.87 pp |
| Delinquency Rate | 0.16% | -0.99 pp |
| Return on Assets | 0.20% | -0.50 pp |
| Member Growth | -5.59% | - |
| Loan-to-Share Ratio | 84.02% | +24.22 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Compass Financial quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.1M | - |
| 2025Q4 | $24.9M | 3,955 |
| 2024Q4 | $23.6M | 4,189 |
| 2023Q4 | $24.9M | 3,164 |
Credit Union Details
- Charter Number
- 1068
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Florida
- City
- Hialeah
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Compass Financial.
| Office | City |
|---|---|
| Main Office (Main Office) | Medley, FL |
| Compass Financial Federal Credit Union | Medley, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Compass Financial, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Compass Financial ranks #2,617 of 4,374 nationally on financial health and #79 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Suwannee River is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Suwannee River
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Financial financially healthy?
A 10.99% net worth ratio and a 0.16% delinquency rate feed into Compass Financial's financial health score of 81/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,617 of 4,374; by total assets it ranks #2,999 of 4,374 nationally (same basis as /rankings/largest); and #95 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Compass Financial compare to other credit unions?
Compass Financial scores 81/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Financial?
Compass Financial 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 Financial directly for the exact boundaries and application steps.
Is my money safe at Compass Financial?
Federal credit unions like Compass Financial 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 Financial's net worth ratio of 10.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Compass Financial offer compared to banks?
Credit unions like Compass Financial 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 Financial 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.