Credit union · NCUA insured
Compass Federal Credit Union
A $99.1M credit union headquartered in Oswego, NY, with 8,107 members and 5 branches in New York. Best rates: CDs 4.50% and savings 0.25% APY.
Compass Federal Credit Union Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#20 of 32 in Syracuse, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Compass Federal Credit Union
Compass Federal Credit Union is a member-owned credit union based in Oswego, New York.
- Headquarters
- 131 George St, Oswego, NY 13126-2915
- NCUA charter
- 17665
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, volunteers, or goes to school in Oswego County.
Family and household
- Family members of members are eligible to join.
- Individuals living in the same household as someone eligible for membership are eligible to join.
Cost to join
- A minimum deposit of $5 is required to open a savings account for membership.
Branches
5 branches in New York
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New York
5 branches
- Compass Federal CUMain office131 George St, Oswego, NY 13126Directions
- Fulton Officwe208 N 2nd St, Fulton, NY 13069Directions
- Compass Credit Union OfficeSUNY Oswego, 150 B Morano Center, Oswego, NY 13126Directions
- First St300 W 1st St, Oswego, NY 13126Directions
- Novelis Plant448 County Route 1A, Oswego, NY 13126Directions
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 | 15.28% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.46% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.22% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $63 | $76 | — |
- CapitalNet worth ratio15.28%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.46%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.22%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$63Peers’ 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.