Compass

Sparta, MI · 2 · Charter #62040 · www.compasscu.com/www.compas
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$97.7M
44th percentile
Members
7,512
49th percentile
Total loans
$49.0M
38th percentile
Total shares
$87.6M
48th percentile

Profitability

Return on assets
0.94%
44th percentile
Net interest margin
3.75%
55th percentile
Efficiency ratio
68.60%
31th percentile
Non-interest income ratio
25.15%
83th percentile

Capital & Risk

Net worth ratio
10.67%
31th percentile
Delinquency rate
0.67%
53th percentile
Net charge-off rate
0.26%
58th percentile
Loan-to-share
55.91%
29th percentile

Growth

Member growth YoY
-1.51%
39th percentile
Asset growth YoY
1.09%
27th percentile
Loan growth YoY
-0.56%
38th percentile
Share growth YoY
-0.38%
20th percentile

Operations

Members / branch
3,756
65th percentile
Assets / member
$13,005
38th percentile
Field of membership penetration
0.46%
4th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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