Sep, 30, 2025 — COMPASS FEDERAL CREDIT UNION is a federal credit union headquartered in OSWEGO, NY with 5 branch locations and about $99.94 million in total assets. Opened 60 years ago in 1966, COMPASS FEDERAL CREDIT UNION has about 8,107 members and employs 25 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | COMPASS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 131 George St OSWEGO, NY 13126-2915 |
| Phone: | (315) 342-5300 |
| Fax: | (315) 342-5294 |
| Website: | https://www.compassfcu.com |
| Branches: | 5 branch locations |
| Members: | 8,107 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 17665 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1966 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $99,937,914 |
| CEO/Manager: | Jennifer Rupert |
| Chairperson: | Michael Pisa |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 17,318,845 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 31,762,703 |
| Unsecured Loans | 9,124,082 |
| Other Loans | 14,130,280 |
| TOTAL LOANS | 55,017,065 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -536,396 |
| Land And Building | 2,194,506 |
| Other Fixed Assets | 154,940 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 712,511 |
| All Other Assets | 167,550 |
| TOTAL ASSETS | 99,937,914 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 909,049 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 22,065,943 |
| Regular shares | 37,645,647 |
| All Other Shares & Deposits | 24,657,699 |
| TOTAL SHARES & DEPOSITS | 84,369,290 |
| TOTAL LIABILITIES | 85,278,339 |
| Regular Reserve | 0 |
| Other Reserves | 920,886 |
| Undivided Earnings | 13,738,689 |
| TOTAL EQUITY | 14,659,575 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 99,937,914 |
| INCOME & EXPENSE | |
| Loan Income | 2,458,767 |
| Investment Income | 851,854 |
| Other Income | 233,011 |
| Total Employee Compensation & Benefits | 1,219,217 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,411,046 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 206,691 |
| Cost of Funds | 565,861 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 715,826 |
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