BlastPoint's Credit Union Scorecard
SORG BAY WEST
Charter #6772 · OH
SORG BAY WEST has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Delinquency rate 4.53% above tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -3.8% year over year ($10.9M in shares and deposits).
- Membership: 804 members, -0.1% vs a year ago.
- Delinquency rate 6.08%.
- Return on assets 0.02%.
- Efficiency ratio 80.22% vs a 88.77% peer average.
- Loan-to-share ratio 76.21% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
804
-0.1% YoY-0.1% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$11.6M
-3.6% YoY-0.4% QoQ
|
$-18.6M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$8.3M
-6.1% YoY-1.0% QoQ
|
$-7.1M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$10.9M
-3.8% YoY-0.7% QoQ
|
$-14.9M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.0%
-101.7% YoY-102.7% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.6% in tier |
| NIM |
4.5%
+13.3% YoY+1.2% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
80.2%
+12.0% YoY+0.1% QoQ
|
-8.5% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
6.1%
+26.6% YoY+178.2% QoQ
|
+4.5 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
76.2%
-2.5% YoY-0.3% QoQ
|
+17.3% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$23,949
-4.7% YoY-0.7% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
Top 10.7% in tier |
| CD Concentration |
49.9%
+4.7% YoY+1.1% QoQ
|
+25.3% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)