COMPASS COMMUNITY
Charter #61933 · Eureka, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,315 sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.83% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 15th percentile but its structural peers at the 44th — a 29-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $180.86M | 44th pct | 51th pct |
| Members | 6,315 | 8th pct | 25th pct |
| Net worth ratio | 11.94% | 56th pct | 62th pct |
| Return on average assets | 0.45% | 33th pct | 36th pct |
| Net interest margin | 2.83% | 9th pct | 16th pct |
| Cost of funds | 1.53% | 68th pct | 41th pct |
| Loan-to-share | 81.52% | 72th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 1th pct | 3th pct |
| Net charge-off ratio | 0.08% | 15th pct | 44th pct |
| Loan growth YoY | 5.28% | 88th pct | 82th pct |
| Share growth YoY | 3.39% | 48th pct | 52th pct |
| Efficiency ratio | 85.70% | 74th pct | 66th pct |
structural peer set hash: 95e677c52bcf2fcaeb56daf27b0f28e5… (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.