Compass Federal Credit Union Oswego, New York
Compass Federal Credit Union is a federal credit union headquartered in Oswego, NY, established in 1966 (NCUA charter 17665), and it is regulated and insured by the NCUA. At Q2 2026 it reported 8,108 members and total assets of $101.5M (up 5.3% from Q2 2025), the 91st largest of 267 credit unions headquartered in New York. Its net worth ratio was 15.28% at Q2 2026, in the well capitalized band.
Also written as Compass FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 17665
- Headquarters
- Oswego, NY
- Established
- 1966
- Total assets, Q2 2026
- $101.5M
- Assets vs Q2 2025
- +5.3%
- Members, Q2 2026
- 8,108
- Net worth ratio, Q2 2026
- 15.28%
- Latest call report
- Q2 2026, NCUA 5300 · Compass Federal Credit Union call report
- Asset rank in state
- 91st of 267 in New York
- Routing number
- 221378993
- Branches
- 7
It has 3 fewer members than on June 30, 2025. Its net worth ratio was up 0.35 percentage points from 14.93% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $32.2M of $53.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 15.28% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Compass Federal Credit Union
Frequently asked about Compass Federal Credit Union
How big is Compass Federal Credit Union?
At Q2 2026 it reported total assets of $101.5M and 8,108 members.
Where is Compass Federal Credit Union headquartered?
It is headquartered in Oswego, NY, United States.
When was Compass Federal Credit Union founded?
It was established in 1966, per NCUA records.
Is Compass Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 17665): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Compass Federal Credit Union well capitalized?
Its net worth ratio was 15.28% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Compass Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.78% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Oswego, NY 13126
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1966
- NCUA Charter #
- 17665
- RSSD ID
- 39989
- Members
- 8,108
- Potential members
- 118,956
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 3 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 15.28% | 11.43% | 85th top |
| 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% | 1.10% | 7.02% | under 10th bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.18% | 3.70% | 78th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 94.40% | 76.55% | under 10th bottom |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.61% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.46% | 0.68% | 69th above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.79% | 4.92% | 42nd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 62.78% | 75.66% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$101.5M total assets against $96.4M; $85.0M total shares and deposits against $80.7M; $53.4M total loans against $53.2M.
$15.5M net worth against $14.4M.
15.28% net worth ratio against 14.93%.
62.78% loan-to-share ratio against 65.89%.
0.46% delinquency ratio against 0.50%.
0.17% return on assets against 1.82%; 1.10% return on equity against 12.20%.
4.18% net interest margin against 3.94%.
8,108 members against 8,111.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.28% | 0.17% | 0.46% | 62.78% |
| March 31, 2026 | 15.25% | 2.33% | 0.59% | 64.91% |
| December 31, 2025 | 14.73% | 0.90% | 0.75% | 64.48% |
| September 30, 2025 | 14.67% | 0.56% | 0.72% | 65.21% |
| June 30, 2025 | 14.93% | 1.82% | 0.50% | 65.89% |
| March 31, 2025 | 14.78% | 0.57% | 0.46% | 65.95% |
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.