Softite Community
Martins Ferry, OH · Charter 19433 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$37.6MAssets
$17.0MLoans
$31.6MShares
$5.9MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 93% of credit unions under $1B in assets (rank 123 of 1683).
- Widest gap: nonperforming loans / loans trails 92% of credit unions under $1B in assets (rank 1545 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.81%
Rank 123 of 1,683
Net Interest Margin
5.07%
Rank 131 of 1,683
Efficiency Ratio
71.91%
Rank 534 of 1,682
Equity / Assets
15.68%
Rank 478 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.81% | 0.35% | 0.74% | 1.18% | Beats 93% | 123 / 1,683 | |
| Return on Equity | 11.57% | 2.67% | 5.89% | 8.74% | Beats 90% | 162 / 1,681 | |
| Net Interest Margin | 5.07% | 3.31% | 3.82% | 4.32% | Beats 92% | 131 / 1,683 | |
| Efficiency Ratio | 71.91% | 68.91% | 78.20% | 86.93% | Beats 68% | 534 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.91% | 0.26% | 0.65% | 1.29% | Beats 8% | 1,545 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 478 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.68% | 10.44% | 12.89% | 16.53% | Beats 72% | 478 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 53.87% | 52.61% | 69.38% | 83.50% | 26th pctl | 1,239 / 1,683 | |
| Loans / Assets | 45.22% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,250 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |