BlastPoint's Credit Union Scorecard
SORG BAY WEST
Charter #6772 · 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
|
23% |
| 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
|
36% |
| 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
|
46% |
| 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
|
39% |
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| 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
|
56% |
| 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
|
56% |
| 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
|
74% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
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)