COMPASS
Charter #62040 · Sparta, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.03% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.40% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.05% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 2nd percentile but its structural peers at the 23rd — a 21-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 | $101.68M | 2th pct | 23th pct |
| Members | 7,528 | 15th pct | 28th pct |
| Net worth ratio | 10.51% | 35th pct | 36th pct |
| Return on average assets | 1.03% | 71th pct | 77th pct |
| Net interest margin | 3.94% | 69th pct | 72th pct |
| Cost of funds | 0.44% | 17th pct | 38th pct |
| Loan-to-share | 54.45% | 17th pct | 38th pct |
| Delinquency 60+ days | 0.40% | 31th pct | 23th pct |
| Net charge-off ratio | 0.05% | 12th pct | 5th pct |
| Loan growth YoY | 1.00% | 57th pct | 66th pct |
| Share growth YoY | 3.38% | 48th pct | 38th pct |
| Efficiency ratio | 81.91% | 62th pct | 43th pct |
structural peer set hash: 63a922b3006557ffac6bf38676066f70… (reproducible)
Closest structural peers
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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.