Credit union · NCUA insured
Compass Credit Union
A $101.7M credit union headquartered in Sparta, MI, with 7,528 members and 2 branches in Michigan. Best rates: CDs 2.48% and savings 0.05% APY.
Compass Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#18 of 49 in Grand Rapids, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Compass Credit Union
- Headquarters
- 485 S State St, Sparta, MI 49345-1549
- NCUA charter
- 62040
Branches
2 branches in Michigan
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Michigan
2 branches
Grand Rapids area · 1
- Compass Credit UnionMain office485 S State St, Sparta, MI 49345Directions
Fremont area · 1
- Compass Credit Union115 S Stone Rd, Fremont, MI 49412Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.56% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.97% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio10.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.56%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.97%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Compass Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.