SOFTITE COMMUNITY
Charter #19433 · Martins Ferry, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,845 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.69% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.07% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.35% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.09% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SOFTITE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.97M | 76th pct | 66th pct |
| Members | 3,845 | 89th pct | 80th pct |
| Net worth ratio | 15.44% | 63th pct | 70th pct |
| Return on average assets | 1.69% | 89th pct | 92th pct |
| Net interest margin | 5.07% | 93th pct | 92th pct |
| Cost of funds | 1.01% | 59th pct | 57th pct |
| Loan-to-share | 55.45% | 47th pct | 39th pct |
| Delinquency 60+ days | 2.35% | 89th pct | 84th pct |
| Net charge-off ratio | -0.09% | 10th pct | 8th pct |
| Loan growth YoY | -1.12% | 60th pct | 56th pct |
| Share growth YoY | 0.74% | 33th pct | 25th pct |
| Efficiency ratio | 73.16% | 33th pct | 41th pct |
structural peer set hash: b7c386fdac468a59460b563d7a1f6085… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.