COMPASS
Charter #17665 · Oswego, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.25% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.31% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.59% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 52.17% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 61st — a 39-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $99.15M | 100th pct | 61th pct |
| Members | 8,107 | 88th pct | 59th pct |
| Net worth ratio | 15.25% | 72th pct | 82th pct |
| Return on average assets | 2.31% | 98th pct | 98th pct |
| Net interest margin | 4.00% | 67th pct | 64th pct |
| Cost of funds | 0.85% | 46th pct | 39th pct |
| Loan-to-share | 64.91% | 56th pct | 57th pct |
| Delinquency 60+ days | 0.59% | 49th pct | 25th pct |
| Net charge-off ratio | 0.33% | 59th pct | 43th pct |
| Loan growth YoY | -1.82% | 47th pct | 28th pct |
| Share growth YoY | -1.37% | 9th pct | 8th pct |
| Efficiency ratio | 52.17% | 5th pct | 0th pct |
structural peer set hash: 9cf30fc44663d78330b8af024d4c70ea… (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.