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
Call Report peers
Sorg Bay West in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Sorg Bay West sits in 35-39 with 14 others.
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
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).
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.
- One place up in Ohio, Jeep Country (#193) scores 44/100, 8 points higher; one place down, NOTEWORTHY (#195) scores 27/100, 9 points lower.
Sorg Bay West Call Report trajectory
Sorg Bay West: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $11.5M (2025Q4) to $11.7M (2026Q1).
- Net-worth ratio shifted -0.29 pp (5.04% → 4.75%).
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
Sorg Bay West gives up 64 points in total. Delinquency Rate costs the most, 24.5 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Sorg Bay West financially healthy?
Sorg Bay West has a financial health score of 36/100 (Weak) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,355 of 4,374 nationally on health and #194 of 196 in Ohio. Its net worth ratio is 4.75% and its delinquency rate 3.92%.
How does Sorg Bay West compare to other credit unions?
Sorg Bay West scores 36/100, higher than 0% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (79.41% vs 59.80%). Its widest shortfall is net worth ratio (4.75% vs 14.86%).
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?
Sorg Bay West 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. Sorg Bay West's net worth ratio of 4.75% is relative to 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.