Compass
Oswego, NY · Charter 17665 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 8 branches
Q2 2026
$101.5MAssets
$53.4MLoans
$85.0MShares
$15.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 77% of credit unions under $1B in assets (rank 386 of 1683).
- Widest gap: nonperforming loans / loans trails 38% of credit unions under $1B in assets (rank 636 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
Return on Assets
1.22%
Rank 386 of 1,683
Net Interest Margin
4.06%
Rank 622 of 1,683
Efficiency Ratio
73.96%
Rank 634 of 1,682
Equity / Assets
15.28%
Rank 521 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.35% | 0.74% | 1.18% | Beats 77% | 386 / 1,683 | |
| Return on Equity | 8.00% | 2.67% | 5.89% | 8.74% | Beats 70% | 511 / 1,681 | |
| Net Interest Margin | 4.06% | 3.31% | 3.82% | 4.32% | Beats 63% | 622 / 1,683 | |
| Efficiency Ratio | 73.96% | 68.91% | 78.20% | 86.93% | Beats 62% | 634 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 636 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.28% | 10.44% | 12.89% | 16.53% | Beats 69% | 521 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.28% | 10.44% | 12.89% | 16.53% | Beats 69% | 521 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 62.78% | 52.61% | 69.38% | 83.50% | 39th pctl | 1,025 / 1,683 | |
| Loans / Assets | 52.58% | 44.71% | 59.18% | 70.72% | 38th pctl | 1,037 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |