PackageTrendsPeer
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Compass

Oswego, NY · Charter 17665

NCUA · 8 branches

Q2 2026

$101.5MAssets
$53.4MLoans
$85.0MShares
$15.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.22%, up 3 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 0.46% of loans (-4 bps YoY).
  • Capital: net worth / assets of 15.28%, up 35 bps from a year ago.
  • Funding: loans stand at 62.78% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.22%+3 bps YoY

Net Interest Margin (YTD, annualized)

4.06%+35 bps YoY

Efficiency Ratio (YTD, annualized)

73.96%+546 bps YoY

Net Worth / Assets

15.28%+35 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.19%0.96%0.93%2.33%1.22%+3 bps
Return on Equity8.00%6.51%6.34%15.28%8.00%0 bps
Net Interest Margin3.71%3.66%3.71%4.04%4.06%+35 bps
Efficiency Ratio68.50%74.03%74.82%52.17%73.96%+546 bps
Growth
Asset Growth (YoY)9.12%8.75%13.25%4.07%5.27%-385 bps
Loan Growth (YoY)0.62%4.81%3.47%2.86%0.39%-23 bps
Share Growth (YoY)9.46%9.63%14.80%4.52%5.37%-409 bps
Asset Quality
Delinquent Loans / Loans0.50%0.72%0.75%0.59%0.46%-4 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.93%14.67%14.73%15.25%15.28%+35 bps
Net Worth / Assets14.93%14.67%14.73%15.25%15.28%+35 bps
Liquidity & Funding
Loans / Shares65.89%65.21%64.48%64.91%62.78%-311 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps