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 0.42% above tier average
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Delinquency rate 0.68% above tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
805
-1.1% YoY-0.1% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
16,936
+6.2% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$11.7M
-0.4% YoY+1.4% QoQ
|
$-18.5M |
$30.2M
+1.3% YoY
|
$257.9M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
35% |
| Loans |
$8.4M
-7.5% YoY-1.9% QoQ
|
$-6.9M |
$15.3M
-2.0% YoY
|
$174.2M
+8.4% YoY
|
$402.4M
+8.7% YoY
|
47% |
| Deposits |
$11.0M
+1.1% YoY+1.9% QoQ
|
$-14.8M |
$25.8M
+0.7% YoY
|
$221.5M
+9.0% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
-0.9%
-345.9% YoY-25.6% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.6%
+16.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.2% in tier |
| NIM |
4.4%
+9.6% YoY+4.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+1.7% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
80.2%
-5.2% YoY+1.7% QoQ
|
-10.5% |
90.6%
+6.5% YoY
|
82.0%
-2.0% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate |
2.2%
-47.4% YoY-44.3% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.4%
+35.7% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
76.4%
-8.5% YoY-3.8% QoQ
|
+17.9% |
58.5%
-3.0% YoY
|
61.3%
-2.1% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$24,119
-1.7% YoY+0.3% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$17,686
+5.3% YoY
|
$19,920
+1.6% YoY
|
Top 10.2% in tier |
| CD Concentration |
49.3%
+5.7% YoY-1.0% QoQ
|
+25.1% | 24.3% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.4% | 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)