Compass Credit Union

Overview / Commentary

www.compassfcu.com

315-342-5300

131 George St
Oswego, NY 13126

Compass Credit Union is headquartered in Oswego and is the 103^rd largest credit union in the state of New York. It is also the 2,132^nd largest credit union in the nation. It was established in 1966 and as of December of 2019, it had grown to 12 employees and 7,030 members at 6 locations. Compass Credit Union's money market rates are 70% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Oswego County.
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Health

Data as of Q4 2019

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Compass Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	17665
Year Chartered	1966
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	1.37%
Return on Equity - YTD	7.99%
Annual Interest Income	$2.6MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$60.9MM$56.1MM
Loans	Q4 2019vs Q4 2018	$37.3MM$34.7MM
Deposits	Q4 2019vs Q4 2018	$49.8MM$45.8MM
Equity Capital	Q4 2019vs Q4 2018	$10.4MM$9.6MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$239.00K$233.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$354.00K$344.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Compass Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$10k^*	-	Regular Savings
OTHER TIERS: 0.15% → $100 - $5k \| 0.20% → $5k - $10k
0.25%^*	$10k^*	-	Christmas Club
OTHER TIERS: 0.15% → $100 - $5k \| 0.20% → $5k - $10k
0.25%^*	$10k^*	-	Special Savings
OTHER TIERS: 0.15% → $100 - $5k \| 0.20% → $5k - $10k
0.25%^*	$10k^*	-	Young Bucks
OTHER TIERS: 0.15% → $5 - $5k \| 0.20% → $5k - $10k
0.25%^*	$10k^*	-	Teen Tycoons
OTHER TIERS: 0.15% → $5 - $5k \| 0.20% → $5k - $10k
0.15%	$5	-	IRA Savings

Compass Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$25k^*	-	Money Market Account
OTHER TIERS: 0.50% → $10k - $25k

Compass Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	$1k	$25k	Premier Checking

Compass Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	3 Year CD
0.90%	$1k	-	4 Year CD
0.90%	$1k	-	5 Year CD
0.90%	$200	-	3 Year Young Bucks Club CD
0.90%	$200	-	4 Year Young Bucks Club CD
0.90%	$200	-	5 Year Young Bucks Club CD
0.90%	$200	-	3 Year Teen Club CD
0.90%	$200	-	4 Year Teen Club CD
0.90%	$200	-	5 Year Teen Club CD
0.85%	$1k	-	2 Year CD
0.85%	$200	-	2 Year Young Bucks Club CD
0.85%	$200	-	2 Year Teen Club CD
0.70%	$1k	-	18 Month CD
0.70%	$200	-	18 Month Young Bucks Club CD
0.70%	$200	-	18 Month Teen Club CD
0.55%	$1k	-	1 Year CD
0.55%	$200	-	1 Year Young Bucks Club CD
0.55%	$200	-	1 Year Teen Club CD
0.40%	$1k	-	6 Month CD
0.40%	$200	-	6 Month Young Bucks Club CD
0.40%	$200	-	6 Month Teen Club CD

Compass Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	3 Year IRA
0.90%	$1k	-	4 Year IRA
0.90%	$1k	-	5 Year IRA
0.85%	$1k	-	2 Year IRA
0.70%	$1k	-	18 Month IRA
0.55%	$1k	-	1 Year IRA
0.40%	$1k	-	6 Month IRA

Locations

Compass Credit Union Locations
Branch Office	110 W 6th St	Oswego, NY 13126
Branch Office	131 George St	Oswego, NY 13126-2915
Branch Office	448 County Route 1A	Oswego, NY 13126
Branch Office	PO Box 180	Fulton, NY 13069
Branch Office	7 4th Ave	Oswego, NY 13126
Branch Office	SUNY Oswego 150 B Morano Center	Oswego, NY 13126

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