Compass Sparta, MI · Charter 62040 · Peer group: credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (n=24)
NCUA · 2 branches
Q2 2026
$101.1M Assets
$50.2M Loans
$89.9M Shares
$10.9M Net Worth
Executive Summary Strongest standing: return on equity outperforms 67% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 8 of 24). Widest gap: equity / assets trails 71% of credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area (rank 17 of 24). Overall: at or above the peer median on 2 of 7 directional measures. Return on Assets
0.95%
Rank 13 of 24
Net Interest Margin
3.89%
Rank 11 of 24
Efficiency Ratio
80.77%
Rank 14 of 24
Equity / Assets
10.79%
Rank 17 of 24
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank Peer Position Earnings Return on Assets 0.95% 0.59% 0.96% 1.22% Beats 46% 13 / 24 Return on Equity 8.84% 4.08% 7.52% 9.09% Beats 67% 8 / 24 Net Interest Margin 3.89% 3.56% 3.83% 4.19% Beats 54% 11 / 24 Efficiency Ratio 80.77% 75.24% 78.47% 83.50% Beats 46% 14 / 24 Asset Quality Nonperforming Loans / Loans 0.56% 0.27% 0.41% 0.73% Beats 42% 15 / 24 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.79% 10.28% 13.92% 16.80% Beats 29% 17 / 24 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.79% 10.28% 13.92% 16.80% Beats 29% 17 / 24 Liquidity & Funding Loans / Deposits 55.89% 55.12% 69.25% 80.19% 29th pctl 17 / 24 Loans / Assets 49.71% 45.19% 59.32% 70.04% 33rd pctl 16 / 24 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Grand Rapids-Wyoming-Kentwood, MI area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11