TellerScore

Compass Community Credit Union is a federally insured state-chartered credit union headquartered in Eureka, California, in business for about 75 years. At the end of Q2 2026 it reported $178.9M in total assets and $157.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Compass Community Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 96th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is earnings (32/100; 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion70/100
Net worth ratio: 11.97%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity76/100
Loans ÷ shares: 84.5% · 14.8% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (80 → 74), mostly because the earnings component weakened by 30 points.

TellerScore
657380Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202467
Q3 202468
Q4 202465
Q1 202571
Q2 202580
Q3 202578
Q4 202577
Q1 202675
Q2 202674
Net worth ratio
7.00%9.48%11.97%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.61%
Q3 202411.52%
Q4 202411.39%
Q1 202511.36%
Q2 202511.84%
Q3 202511.97%
Q4 202511.92%
Q1 202611.94%
Q2 202611.97%
Delinquent loans (60+ days)
0.00%0.18%0.36%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.27%
Q3 20240.10%
Q4 20240.36%
Q1 20250.11%
Q2 20250.03%
Q3 20250.05%
Q4 20250.04%
Q1 20260.00%
Q2 20260.03%
Return on assets
-0.33%0.35%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.33%
Q3 2024-0.30%
Q4 2024-0.33%
Q1 20250.13%
Q2 20251.04%
Q3 20250.87%
Q4 20250.68%
Q1 20260.44%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$178.9M11.97%0.03%0.31%84.5%
Q1 202675$180.9M11.94%0.00%0.44%81.5%
Q4 202577$177.8M11.92%0.04%0.68%80.7%
Q3 202578$175.4M11.97%0.05%0.87%80.1%
Q2 202580$178.0M11.84%0.03%1.04%78.0%
Q1 202571$175.5M11.36%0.11%0.13%77.3%
Q4 202465$174.5M11.39%0.36%-0.33%78.0%
Q3 202468$173.7M11.52%0.10%-0.30%73.6%
Q2 202467$176.5M11.61%0.27%-0.33%72.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.97%
57th
Problem loans0.03%
99th
Net charge-offs0.00%
98th
Return on assets0.31%
18th
Loans to deposits84.5%
29th
Uninsured deposits14.8%
6th
Loan-loss reserves0.00%
50th
Texas ratio0.2%
98th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Camino Federal Credit UnionCredit union Montebello, CA60 out of 100, Moderate$178.8M12.3%1.39%vs
California Lithuanian Credit UnionCredit union Santa Monica, CA70 out of 100, Strong$175.1M17.4%1.45%vs
San Joaquin Power Employees Credit UnionCredit union Fresno, CA84 out of 100, Strong$174.9M15.4%0.04%vs
Vida Federal Credit UnionCredit union Ontario, CA83 out of 100, Strong$174.6M13.8%0.13%vs
E-Central Credit UnionCredit union Pasadena, CA78 out of 100, Strong$173.5M23.4%0.77%vs
Santa Cruz Community Credit UnionCredit union Santa Cruz, CA57 out of 100, Moderate$172.1M10.6%0.52%vs

Deposit insurance

Is my money safe at Compass Community Credit Union?

Yes. Compass Community Credit Union is a federally insured credit union (NCUA charter #61933). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 14.8% of shares and deposits ($23.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.97%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Compass Community Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Compass Community Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61933
RSSD ID
755999
Primary regulator
State + NCUA
Established
1951
Headquarters
PO Box 1268, Eureka, CA 95502
Employees
24

Quick answers

Compass Community Credit Union: common questions

Is Compass Community Credit Union NCUA insured?

Yes. Compass Community Credit Union is a federally insured credit union (NCUA charter #61933). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Compass Community Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Compass Community Credit Union have?

1 office as of the latest NCUA data.