Federal credit union · MIDDLETOWN, Ohio · NCUA charter #6772
Sorg Bay West
Health score 36/100, grade F (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 scores 36/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.5M; members 806; net-worth ratio 4.75%; health rank #4,355 of 4,374; healthier than 0th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,355 of 4,374 health · 2025Q4Sorg Bay West · health 36/100 · $11.5M · 2025Q4
- NW 36/100
- DELQ 4.8%
- ROA 3.92%
- ASSETS -0.40%
- MEM $11.5M
- RANK 806
- PHOTO #4,355/4,374
- BOOK Topeka Firemen's
- CHARTER 6772
Call Report peers
Sorg Bay West in the assets neighbourhood
Sorg Bay West's $11.5M assets sit next to Topeka Firemen's ($11.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Sorg Bay West vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
36 0th percentile in the bottom 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Peer-gap read for Sorg Bay West
- Largest favorable gap: Loan-to-Share Ratio at 79.41% vs peer 59.80% (+19.61 pp).
- Largest lag: Net Worth Ratio at 4.75% vs peer 14.86% (-10.11 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Sorg Bay West in Ohio
- Ohio health ordinal: #194 of 196.
- Ohio assets place: #163 of 196.
- Member book place in Ohio: #173 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Sorg Bay West Call Report trajectory
Sorg Bay West: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $11.5M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (5.04% → 4.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
4.75% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
How the 36/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 36.
- Net Worth Ratio 11.9 pts
- Delinquency Rate 0.5 pts
- Return on Assets 0.9 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 15.0 pts
Sorg Bay West health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 4.75% | -10.11 pp |
| Delinquency Rate | 3.92% | +2.78 pp |
| Return on Assets | -0.40% | -1.11 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 79.41% | +19.61 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.7M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Sorg Bay West.
| Office | City |
|---|---|
| SORG BAY WEST FCU (Main Office) | MIDDLETOWN, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
More federally-insured credit unions based in Ohio, ordered by peer group match and asset size.
Cross-state Call Report peers for Sorg Bay West
Two NCUA Call Report peer sets for Sorg Bay West, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (36/100 here).
Using this data
- Sorg Bay West ranks #4,355 of 4,374 nationally on financial health and #194 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Whitewater Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Whitewater Community
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,355 of 4,374; by total assets it ranks #3,482 of 4,374 nationally (same basis as /rankings/largest); and #163 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 4.75% 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 4.75% 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.
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.