COMPASS FINANCIAL
Charter #1068 · Hialeah, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,957 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.14% sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 4.93% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 98.11% sits at the 92nd percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 30th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | COMPASS FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.08M | 49th pct | 52th pct |
| Members | 3,957 | 90th pct | 84th pct |
| Net worth ratio | 10.99% | 26th pct | 39th pct |
| Return on average assets | 0.14% | 24th pct | 18th pct |
| Net interest margin | 4.93% | 90th pct | 75th pct |
| Cost of funds | 1.30% | 71th pct | 51th pct |
| Loan-to-share | 82.32% | 86th pct | 72th pct |
| Delinquency 60+ days | 0.41% | 42th pct | 31th pct |
| Net charge-off ratio | 0.46% | 70th pct | 67th pct |
| Loan growth YoY | -2.18% | 52th pct | 30th pct |
| Share growth YoY | 5.51% | 77th pct | 70th pct |
| Efficiency ratio | 98.11% | 87th pct | 92th pct |
structural peer set hash: c72055f1c92c58afa0e7c6889183f89c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.