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
Call Report peers
Compass Financial in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Compass Financial sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Florida, GTE (#78) ties at 81/100; one place down, Memorial Employees Financial (#80) ties at 81/100.
Compass Financial Call Report trajectory
Compass Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.6% from $24.9M (2025Q4) to $25.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (11.05% → 10.99%).
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
Compass Financial gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Compass Financial financially healthy?
On its 2025Q4 NCUA 5300 filing, Compass Financial scores 81/100 (Excellent), with a 10.99% net worth ratio and 0.16% of loans delinquent. It ranks #2,617 of 4,374 nationally on health and #79 of 109 in Florida.
How does Compass Financial compare to other credit unions?
Compass Financial scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (84.02% vs 59.80%). Its widest shortfall is net worth ratio (10.99% vs 14.86%).
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?
Compass Financial 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 Financial's net worth ratio of 10.99% 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.