Compass Community Credit Union Arcata, California
Compass Community Credit Union is a state-chartered credit union headquartered in Arcata, CA, established in 1951 (NCUA charter 61933), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,343 members and total assets of $178.9M (up 0.5% from Q2 2025), the 123rd largest of 238 credit unions headquartered in California. Its net worth ratio was 11.97% at Q2 2026, in the well capitalized band.
Also written as Compass Community CU
BankRegReports is independent of Compass Community Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61933
- Headquarters
- Arcata, CA
- Established
- 1951
- Total assets, Q2 2026
- $178.9M
- Assets vs Q2 2025
- +0.5%
- Members, Q2 2026
- 6,343
- Net worth ratio, Q2 2026
- 11.97%
- Latest call report
- Q2 2026, NCUA 5300 · Compass Community Credit Union call report
- Asset rank in state
- 123rd of 238 in California
- Routing number
- 321172219
- Branches
- 2
It has 122 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.13 percentage points from 11.84% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $108.8M of $132.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.97% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in California
Frequently asked about Compass Community Credit Union
How big is Compass Community Credit Union?
At Q2 2026 it reported total assets of $178.9M and 6,343 members.
Where is Compass Community Credit Union headquartered?
It is headquartered in Arcata, CA, United States.
When was Compass Community Credit Union founded?
It was established in 1951, per NCUA records.
Is Compass Community Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61933): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Compass Community Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Compass Community Credit Union well capitalized?
Its net worth ratio was 11.97% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Compass Community Credit Union's delinquency ratio?
Its delinquency ratio was 0.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Compass Community Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 84.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Arcata, CA 95521
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1951
- NCUA Charter #
- 61933
- RSSD ID
- 755999
- Members
- 6,343
- Potential members
- 176,050
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.97% | 11.43% | 56th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.17% | 0.81% | under 10th bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 1.43% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 2.73% | 3.70% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 96.13% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.65% | 1.24% | 21st bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.03% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.38% | 4.92% | 19th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 84.50% | 75.66% | 71st position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$178.9M total assets against $178.0M; $157.3M total shares and deposits against $156.9M; $132.9M total loans against $122.4M.
$21.3M net worth against $20.8M.
11.97% net worth ratio against 11.84%.
84.50% loan-to-share ratio against 78.04%.
0.03% delinquency ratio against 0.03%.
0.17% return on assets against 1.95%; 1.43% return on equity against 16.75%.
2.73% net interest margin against 2.71%.
6,343 members against 6,221.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.97% | 0.17% | 0.03% | 84.50% |
| March 31, 2026 | 11.94% | 0.44% | 0.00% | 81.52% |
| December 31, 2025 | 11.92% | 0.16% | 0.04% | 80.68% |
| September 30, 2025 | 11.97% | 0.50% | 0.05% | 80.06% |
| June 30, 2025 | 11.84% | 1.95% | 0.03% | 78.04% |
| March 31, 2025 | 11.36% | 0.13% | 0.11% | 77.30% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.