Federal credit union · MIDDLETOWN, Ohio · NCUA charter #6772
Sorg Bay West
Health score 36/100 (Weak) - from the NCUA 5300 Call Report, 2025Q4.
- 36
- Health / 100
- $11.5M
- Total assets
- 806
- Members
- 4.8%
- Net-worth ratio
Sorg Bay West - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6772. See our deposit-insurance coverage note.
Sorg Bay West - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)40
- Asset quality (delinquency)2
- Earnings (ROA)6
- Member growth51
- Liquidity (loan-to-share)100
Weighted composite: 36/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
4.85% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 4.85% | 30% |
| Delinquency Rate | 3.92% | 25% |
| Return on Assets | -0.40% | 15% |
| Member Growth | -0.74% | 15% |
| Loan-to-Share Ratio | 79.41% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $11.5M | 806 |
| 2024Q4 | $11.3M | 812 |
| 2023Q4 | $10.7M | 955 |
Credit Union Details
- Charter Number
- 6772
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- MIDDLETOWN
- Data Quarter
- 2025Q4
What This Data Says About Sorg Bay West
806 members and $11.5M in total assets sit behind Sorg Bay West, a federal credit union in MIDDLETOWN, Ohio, which posts a health score of 36/100 (Weak) on the five-factor composite, with $8.6M in outstanding loans as of Q4 2025 and a net worth ratio of 4.85% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #6772 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
3.92% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 79.41% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -0.40% on net income of $-46189 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.74%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Sorg Bay West financially healthy?
Sorg Bay West has a financial health score of 36/100 (Weak) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 4.85% and delinquency rate of 3.92%.
How does Sorg Bay West compare to other credit unions?
On PlainCU's health composite, Sorg Bay West lands at 36/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Sorg Bay West?
Sorg Bay West 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 Sorg Bay West directly for the exact boundaries and application steps.
Is my money safe at Sorg Bay West?
Federal credit unions like Sorg Bay West are 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. Sorg Bay West's net worth ratio of 4.85% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Sorg Bay West offer compared to banks?
Credit unions like Sorg Bay West are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Sorg Bay West directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.