SORG BAY WEST
Charter #6772 · MIDDLETOWN, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 805 sits at the 7th percentile of structural peers — worth a closer look.
- Net worth ratio of 4.75% sits at the 0th percentile of structural peers — worth a closer look.
- Return on average assets of -0.87% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 1.98% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 2.18% sits at the 77th percentile of structural peers — worth a closer look.
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 | SORG BAY WEST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.69M | 8th pct | 26th pct |
| Members | 805 | 2th pct | 7th pct |
| Net worth ratio | 4.75% | 0th pct | 0th pct |
| Return on average assets | -0.87% | 7th pct | 18th pct |
| Net interest margin | 4.46% | 77th pct | 46th pct |
| Cost of funds | 1.98% | 90th pct | 84th pct |
| Loan-to-share | 76.43% | 80th pct | 61th pct |
| Delinquency 60+ days | 2.18% | 87th pct | 77th pct |
| Net charge-off ratio | 2.53% | 97th pct | 97th pct |
| Loan growth YoY | -1.66% | 56th pct | 51th pct |
| Share growth YoY | -0.46% | 23th pct | 25th pct |
| Efficiency ratio | 80.16% | 49th pct | 30th pct |
structural peer set hash: ae3e9c20f6716c6152952f0d407e9543… (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.