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Compass Community

Eureka, CA · Charter 61933

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

90

Q2 2024Q2 2026peer median (50)

Profitability

18

Q2 2024Q2 2026peer median (50)

Liquidity

33

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Compass Community

Eureka, CA · Charter 61933

NCUA · 2 branches

Q2 2026

$178.9MAssets
$132.9MLoans
$157.3MShares
$21.3MNet 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 0.31%, down 73 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.03% of loans (0 bps YoY).
  • Capital: net worth / assets of 11.92%, up 25 bps from a year ago.
  • Funding: loans stand at 84.50% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.31%-73 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+21 bps YoY

Efficiency Ratio (YTD, annualized)

90.85%+2,188 bps YoY

Net Worth / Assets

11.92%+25 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.04%0.87%0.68%0.44%0.31%-73 bps
Return on Equity8.90%7.28%5.78%3.77%2.59%-631 bps
Net Interest Margin2.57%2.68%2.69%2.80%2.78%+21 bps
Efficiency Ratio68.97%73.11%77.77%85.70%90.85%+2,188 bps
Growth
Asset Growth (YoY)0.81%0.96%1.86%3.06%0.55%-26 bps
Loan Growth (YoY)8.09%8.86%4.45%8.12%8.58%+49 bps
Share Growth (YoY)0.00%0.10%1.02%2.53%0.28%+28 bps
Asset Quality
Delinquent Loans / Loans0.03%0.05%0.04%0.00%0.03%0 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 Capital11.67%11.97%11.84%11.75%11.92%+25 bps
Net Worth / Assets11.67%11.97%11.84%11.75%11.92%+25 bps
Liquidity & Funding
Loans / Shares78.04%80.06%80.68%81.52%84.50%+646 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Compass Community

Eureka, CA · Charter 61933 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 2 branches

Q2 2026

$178.9MAssets
$132.9MLoans
$157.3MShares
$21.3MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 90% of credit unions under $1B in assets (rank 162 of 1682).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1545 of 1683).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.31%

Rank 1,304 of 1,683

Net Interest Margin

2.78%

Rank 1,545 of 1,683

Efficiency Ratio

90.83%

Rank 1,408 of 1,682

Equity / Assets

11.92%

Rank 1,008 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.31%0.35%0.74%1.18%Beats 23%1,304 / 1,683
Return on Equity2.60%2.67%5.89%8.74%Beats 24%1,279 / 1,681
Net Interest Margin2.78%3.31%3.82%4.32%Beats 8%1,545 / 1,683
Efficiency Ratio90.83%68.91%78.20%86.93%Beats 16%1,408 / 1,682
Asset Quality
Nonperforming Loans / Loans0.03%0.26%0.65%1.29%Beats 90%162 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.92%10.44%12.89%16.53%Beats 40%1,008 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.92%10.44%12.89%16.53%Beats 40%1,008 / 1,683
Liquidity & Funding
Loans / Deposits84.50%52.61%69.38%83.50%77th pctl390 / 1,683
Loans / Assets74.30%44.71%59.18%70.72%82nd pctl305 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution