Sorg Bay West
Middletown, OH · Charter 6772 · Peer group: credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (n=26)
NCUA · 1 branch
Q2 2026
$11.6MAssets
$8.3MLoans
$10.9MShares
$583KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 62% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 10 of 26).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Cincinnati, OH-KY-IN area (rank 26 of 26).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.02%
Rank 23 of 26
Net Interest Margin
4.50%
Rank 10 of 26
Efficiency Ratio
80.07%
Rank 16 of 26
Equity / Assets
5.01%
Rank 26 of 26
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.02% | 0.41% | 0.79% | 1.34% | Beats 12% | 23 / 26 | | |
| Return on Equity | 0.34% | 3.53% | 6.04% | 8.49% | Beats 12% | 23 / 26 | | |
| Net Interest Margin | 4.50% | 3.25% | 4.11% | 4.64% | Beats 62% | 10 / 26 | | |
| Efficiency Ratio | 80.07% | 71.52% | 75.99% | 84.12% | Beats 42% | 16 / 26 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 6.08% | 0.40% | 1.09% | 2.09% | Beats 4% | 26 / 26 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 5.01% | 10.31% | 12.73% | 15.29% | Beats 0% | 26 / 26 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 5.01% | 10.31% | 12.73% | 15.29% | Beats 0% | 26 / 26 | | |
| Liquidity & Funding |
| Loans / Deposits | 76.21% | 51.92% | 65.22% | 76.21% | 73rd pctl | 7 / 26 | | |
| Loans / Assets | 71.52% | 44.32% | 54.77% | 68.75% | 88th pctl | 3 / 26 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |