SORG BAY WEST
Charter #6772 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
SORG BAY WEST has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.5% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 2.48% below tier average
- - Delinquency rate 2.81% above tier average
- - Net Worth Ratio: Bottom 0.5% in tier
- - Share Certificate Concentration (%): Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 5.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
806
-0.4% YoY+0.1% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 23.3% in tier |
| Assets |
$11.7M
+2.2% YoY-2.8% QoQ
|
$-18.1M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$8.6M
-9.5% YoY-3.6% QoQ
|
$-7.2M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
46th in tier |
| Deposits |
$11.1M
+4.4% YoY-2.6% QoQ
|
$-14.4M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
39th in tier |
| ROA |
-1.8%
+11982.3% YoY+30.8% QoQ
|
-2.5% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.5% in tier |
| NIM |
4.0%
-7.8% YoY+2.0% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
56th in tier |
| Efficiency Ratio |
80.9%
+3.0% YoY+13.0% QoQ
|
-0.5% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
56th in tier |
| Delinquency Rate |
4.3%
+5.2% YoY-10.0% QoQ
|
+2.8 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Top 7.5% in tier |
| Loan To Share |
77.4%
-13.3% YoY-1.0% QoQ
|
+16.1% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
74th in tier |
| AMR |
$24,329
-1.8% YoY-3.2% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Top 9.2% in tier |
| CD Concentration |
49.3%
+12.0% YoY+3.6% QoQ
|
+24.9% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
171
Loan-to-Member Ratio (LMR)
engagement
Value:
$10,611
Peer Avg: $5,488
#171 of 2596
Top 6.5% in <100M tier
238
Average Member Relationship (AMR)
engagement
Value:
$24,329
Peer Avg: $14,627
#238 of 2596
Top 9.1% in <100M tier
Top Weaknesses (8 metrics)
2584
Net Worth Ratio
risk
Value:
4.73%
Peer Avg: 16.43%
#2584 of 2596
Bottom 0.5% in <100M tier
2505
Return on Assets (ROA)
profitability
Value:
-1.80%
Peer Avg: 0.68%
#2505 of 2596
Bottom 3.5% in <100M tier
2502
Share Certificate Concentration (%)
balance_sheet
Value:
49.32%
Peer Avg: 15.37%
#2502 of 2596
Bottom 3.7% in <100M tier
2468
Net Charge-Off Rate
risk
Value:
2.22%
Peer Avg: 0.57%
#2468 of 2596
Bottom 5.0% in <100M tier
2402
Total Delinquency Rate (60+ days)
risk
Value:
4.32%
Peer Avg: 1.51%
#2402 of 2596
Bottom 7.5% in <100M tier
2181
Members Per Employee (MPE)
engagement
Value:
201.500
Peer Avg: 365.701
#2181 of 2596
Bottom 16.0% in <100M tier
2000
Loan Growth Rate
growth
Value:
-9.48%
Peer Avg: 59.01%
#2000 of 2596
Bottom 23.0% in <100M tier
1991
Total Members
engagement
Value:
806
Peer Avg: 2,626
#1991 of 2596
Bottom 23.3% in <100M tier