Federal credit union · Martins Ferry, Ohio · NCUA charter #19433
Softite Community
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $36.5M
- Total assets
- 3,822
- Members
- 15.4%
- Net-worth ratio
Softite Community scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.5M; members 3,822; net-worth ratio 15.44%; health rank #2,399 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,399 of 4,374 health · 2025Q4Softite Community · health 82/100 · $36.5M · 2025Q4
Call Report peers
Softite Community in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Softite Community vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Softite Community sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Softite Community: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 15.44% vs peer 14.86% (+0.58 pp).
- Loan-to-Share Ratio trails the peer set - 57.44% here, 59.80% peer average (-2.36 pp).
Ohio standing for Softite Community
- Ohio health ordinal: #107 of 196.
- By total assets, Softite Community is #122 of 196 in Ohio.
- Ohio membership ordinal: #110 of 196.
- One place up in Ohio, Cincinnati Interagency (#106) ties at 82/100; one place down, Christian Family (#108) ties at 82/100.
Softite Community: 2025Q4 → 2026Q1
Softite Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.3% from $36.5M (2025Q4) to $37.0M (2026Q1).
- Net-worth ratio shifted +0.23 pp (15.21% → 15.44%).
15.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Softite Community gives up 18 points in total. Delinquency Rate costs the most, 8.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.3 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 12.1 pts
Call Report ratios for Softite Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.44% | +0.58 pp |
| Delinquency Rate | 1.49% | +0.34 pp |
| Return on Assets | 1.01% | +0.31 pp |
| Member Growth | -0.23% | - |
| Loan-to-Share Ratio | 57.44% | -2.36 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Softite Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.0M | - |
| 2025Q4 | $36.5M | 3,822 |
| 2024Q4 | $34.5M | 3,831 |
| 2023Q4 | $35.6M | 3,766 |
Credit Union Details
- Charter Number
- 19433
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Martins Ferry
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Softite Community runs 3 offices in 3 different cities.
| Office | City |
|---|---|
| Softite Community FCU (Main Office) | Martins Ferry, OH |
| Softite Community Federal Credit Union | Mingo Junction, OH |
| Softite Community Federal Credit Union | Saint Clairsville, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Cross-state Call Report peers for Softite Community
Similar total assets
Using this data
- Softite Community ranks #2,399 of 4,374 nationally on financial health and #107 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CHIVAHO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CHIVAHO
Frequently Asked Questions
Is Softite Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Softite Community scores 82/100 (Excellent), with a 15.44% net worth ratio and 1.49% of loans delinquent. It ranks #2,399 of 4,374 nationally on health and #107 of 196 in Ohio.
How does Softite Community compare to other credit unions?
Softite Community scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.44% vs 14.86%). Its widest shortfall is loan-to-share ratio (57.44% vs 59.80%).
How can I join Softite Community?
Softite Community operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Softite Community directly for the exact boundaries and application steps.
Is my money safe at Softite Community?
Softite Community is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Softite Community's net worth ratio of 15.44% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.