PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Compass Community

Eureka, CA · Charter 61933

NCUA · 2 branches

Q2 2026

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

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.

Return on Assets (quarter, annualized)

0.31%-73 bps YoY

Net Interest Margin (quarter, annualized)

2.78%+21 bps YoY

Efficiency Ratio (quarter, annualized)

90.85%+2,188 bps YoY

Net Worth / Assets

11.92%+25 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.30%-0.33%0.13%1.04%0.87%0.68%0.44%0.31%-73 bps
Return on Equity-2.63%-2.87%1.11%8.90%7.28%5.78%3.77%2.59%-631 bps
Net Interest Margin2.11%2.18%2.47%2.57%2.68%2.69%2.80%2.78%+21 bps
Efficiency Ratio113.10%111.33%92.83%68.97%73.11%77.77%85.70%90.85%+2,188 bps
Growth
Asset Growth (YoY)-1.67%0.85%1.90%0.81%0.96%1.86%3.06%0.55%-26 bps
Loan Growth (YoY)-0.15%6.61%6.47%8.09%8.86%4.45%8.12%8.58%+49 bps
Share Growth (YoY)-2.42%0.61%1.76%0.00%0.10%1.02%2.53%0.28%+28 bps
Asset Quality
Delinquent Loans / Loans0.10%0.36%0.11%0.03%0.05%0.04%0.00%0.03%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.52%11.37%11.34%11.67%11.97%11.84%11.75%11.92%+25 bps
Net Worth / Assets11.52%11.37%11.34%11.67%11.97%11.84%11.75%11.92%+25 bps
Liquidity & Funding
Loans / Shares73.62%78.04%77.30%78.04%80.06%80.68%81.52%84.50%+646 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps