TellerScore

Headquartered in Hialeah, Florida, Compass Financial Federal Credit Union is a federal credit union with $25.9M in total assets and $22.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1936.

Compass Financial Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 78th. Problem-loan coverage contributes the most (95/100, 2.4%); earnings contributes the least (15/100, -0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Net worth ratio: 10.54%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.17%
Earnings15/100
Return on assets (annualized): -0.11%
Funding & liquidity79/100
Loans ÷ shares: 80.9% · 11.7% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.36%

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 3 points (67 → 64), mostly because the earnings component weakened by 14 points.

TellerScore
646871Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202469
Q4 202464
Q1 202570
Q2 202567
Q3 202571
Q4 202569
Q1 202665
Q2 202664
Net worth ratio
7.00%9.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.18%
Q3 202410.77%
Q4 202411.53%
Q1 202511.42%
Q2 202511.09%
Q3 202511.54%
Q4 202511.05%
Q1 202610.99%
Q2 202610.54%
Delinquent loans (60+ days)
0.11%0.39%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.25%
Q3 20240.12%
Q4 20240.67%
Q1 20250.31%
Q2 20250.24%
Q3 20250.11%
Q4 20250.16%
Q1 20260.41%
Q2 20260.17%
Return on assets
-0.11%0.22%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.34%
Q4 20240.21%
Q1 20250.55%
Q2 20250.22%
Q3 20250.34%
Q4 20250.19%
Q1 20260.14%
Q2 2026-0.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$25.9M10.54%0.17%-0.11%80.9%
Q1 202665$25.1M10.99%0.41%0.14%82.3%
Q4 202569$24.9M11.05%0.16%0.19%84.0%
Q3 202571$24.0M11.54%0.11%0.34%88.8%
Q2 202567$24.6M11.09%0.24%0.22%86.9%
Q1 202570$24.0M11.42%0.31%0.55%87.7%
Q4 202464$23.6M11.53%0.67%0.21%90.9%
Q3 202469$25.3M10.77%0.12%0.34%85.2%
Q2 202469$24.3M11.18%0.25%0.43%88.1%

2,479 peers · Under $100 million in assets

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 ratio10.54%
20th
Problem loans0.17%
75th
Net charge-offs0.96%
15th
Return on assets-0.11%
17th
Loans to deposits80.9%
18th
Uninsured deposits11.7%
5th
Loan-loss reserves0.00%
37th
Texas ratio2.4%
49th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Suwannee River Federal Credit UnionCredit union Live Oak, FL83 out of 100, Strong$25.7M12.1%0.03%vs
Monroe County Teachers Federal Credit UnionCredit union Key West, FL38 out of 100, Low$24.0M9.4%2.09%vs
Florida a & M University Federal Credit UnionCredit union Tallahassee, FL43 out of 100, Below average$28.0M11.9%3.46%vs
Financial Educators Federal Credit UnionCredit union Daytona Beach, FL90 out of 100, Very strong$23.5M15.7%0.00%vs
Farmers Federal Credit UnionCredit union Jacksonville, FL73 out of 100, Strong$22.4M10.6%0.00%vs
Metro North Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$21.7M16.7%0.07%vs

Deposit insurance

Is my money safe at Compass Financial Federal Credit Union?

Yes. Compass Financial Federal Credit Union is a federally insured credit union (NCUA charter #1068). 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 11.7% of shares and deposits ($2.6M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.54%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Compass Financial Federal Credit Union lists 2 offices in 1 city. Most locations:

  • Medley, FL (2)

All branch addresses and map

Identity & history

Profile

Legal name
Compass Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
1068
RSSD ID
1008272
Primary regulator
NCUA
Established
1936
Headquarters
PO Box 160580, Hialeah, FL 33016
Employees
11

Quick answers

Compass Financial Federal Credit Union: common questions

Is Compass Financial Federal Credit Union NCUA insured?

Yes. Compass Financial Federal Credit Union is a federally insured credit union (NCUA charter #1068). 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 Financial Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Financial Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hialeah

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Shaw-Ross Employees Credit UnionCredit union Miami, FL81 out of 100, Strong$6.8M14.9%0.53%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs