TellerScore

Compass Federal Credit Union (NCUA charter #17665) is based in Oswego, New York. Its Q2 2026 call report shows $101.5M in total assets and $85.0M in member shares and deposits and 6 offices across 2 states.

Compass Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 94% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 30th. Capital cushion contributes the most (100/100, 15.28%); earnings contributes the least (69/100, 1.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.28%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.46%
Earnings69/100
Return on assets (annualized): 1.22%
Funding & liquidity97/100
Loans ÷ shares: 62.8% · 7.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.47%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 89).

TellerScore
818894Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202484
Q4 202484
Q1 202583
Q2 202588
Q3 202583
Q4 202583
Q1 202694
Q2 202689
Net worth ratio
7.00%11.31%15.62%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.27%
Q3 202414.89%
Q4 202415.62%
Q1 202514.78%
Q2 202514.93%
Q3 202514.67%
Q4 202514.73%
Q1 202615.25%
Q2 202615.28%
Delinquent loans (60+ days)
0.44%0.60%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.71%
Q3 20240.44%
Q4 20240.50%
Q1 20250.46%
Q2 20250.50%
Q3 20250.72%
Q4 20250.75%
Q1 20260.59%
Q2 20260.46%
Return on assets
0.57%1.45%2.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.66%
Q3 20240.71%
Q4 20240.84%
Q1 20250.57%
Q2 20251.19%
Q3 20250.96%
Q4 20250.93%
Q1 20262.33%
Q2 20261.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$101.5M15.28%0.46%1.22%62.8%
Q1 202694$99.1M15.25%0.59%2.33%64.9%
Q4 202583$101.1M14.73%0.75%0.93%64.5%
Q3 202583$99.9M14.67%0.72%0.96%65.2%
Q2 202588$96.4M14.93%0.50%1.19%65.9%
Q1 202583$95.3M14.78%0.46%0.57%66.0%
Q4 202484$89.3M15.62%0.50%0.84%71.5%
Q3 202484$91.9M14.89%0.44%0.71%68.2%
Q2 202481$88.4M15.27%0.71%0.66%71.7%

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 ratio15.28%
86th
Problem loans0.46%
69th
Net charge-offs0.46%
39th
Return on assets1.22%
79th
Loans to deposits62.8%
74th
Uninsured deposits7.3%
37th
Loan-loss reserves0.00%
50th
Texas ratio2.5%
70th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Greater Chautauqua Federal Credit UnionCredit union Falconer, NY73 out of 100, Strong$102.3M11.4%0.88%vs
I Am Federal Credit UnionCredit union New York, NY50 out of 100, Below average$103.2M11.8%4.37%vs
Consumers Federal Credit UnionCredit union Brooklyn, NY66 out of 100, Moderate$105.8M11.6%0.07%vs
Next Step Federal Credit UnionCredit union Troy, NY63 out of 100, Moderate$107.6M10.1%1.72%vs
Leatherstocking Region Federal Credit UnionCredit union Cooperstown, NY78 out of 100, Strong$107.7M12.1%0.68%vs
Port Washington Federal Credit UnionCredit union Port Washington, NY61 out of 100, Moderate$109.9M15.3%4.28%vs

Deposit insurance

Is my money safe at Compass Federal Credit Union?

Yes. Compass Federal Credit Union is a federally insured credit union (NCUA charter #17665). 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 7.3% of shares and deposits ($6.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Compass Federal Credit Union lists 6 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Compass Federal Credit Union reported 63 home-loan applications under HMDA (LEI 549300JK7FP26MG28H96): 63 originated ($6,515,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Compass Federal Credit Union
Type
Federal credit union
NCUA charter #
17665
RSSD ID
39989
Primary regulator
NCUA
Established
1966
Headquarters
131 George St, Oswego, NY 13126
Employees
25

Quick answers

Compass Federal Credit Union: common questions

Is Compass Federal Credit Union NCUA insured?

Yes. Compass Federal Credit Union is a federally insured credit union (NCUA charter #17665). 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 Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Federal Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Oswego

InstitutionScoreAssetsCapitalProblem loansCompare
Fulton Savings BankBank Fulton, NY88 out of 100, Very strong$492.3M31.4%0.70%vs
Oswego Teachers Employees Federal Credit UnionCredit union Oswego, NY73 out of 100, Strong$59.1M11.7%0.00%vs
Solvay BankBank Solvay, NY67 out of 100, Moderate$1.2B9.5%0.11%vs
Sidney Federal Credit UnionCredit union Sidney, NY67 out of 100, Moderate$1.3B10.5%0.85%vs
Savannah Bank National AssociationBank Savannah, NY66 out of 100, Moderate$187.2M8.9%0.23%vs
NBT Bank, National AssociationBank Norwich, NY64 out of 100, Moderate$16.1B9.5%0.55%vs