Sorg Bay West

MIDDLETOWN, OH · 1 · Charter #6772 · www.sorgbaywest.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.5M
45th percentile
Members
806
30th percentile
Total loans
$8.6M
60th percentile
Total shares
$10.8M
50th percentile

Profitability

Return on assets
1.01%
60th percentile
Net interest margin
4.30%
62th percentile
Efficiency ratio
52.73%
79th percentile
Non-interest income ratio
6.94%
41th percentile

Capital & Risk

Net worth ratio
5.05%
1th percentile
Delinquency rate
3.92%
11th percentile
Net charge-off rate
1.99%
7th percentile
Loan-to-share
79.41%
76th percentile

Growth

Member growth YoY
-0.74%
58th percentile
Asset growth YoY
1.92%
55th percentile
Loan growth YoY
-8.01%
30th percentile
Share growth YoY
10.67%
92th percentile

Operations

Members / branch
806
38th percentile
Assets / member
$14,300
82th percentile
Field of membership penetration
1.57%
9th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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