TellerScore

Headquartered in Martins Ferry, Ohio, Softite Community Federal Credit Union is a federal credit union with $37.6M in total assets and $31.6M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1969.

Based on its Q2 2026 filing, Softite Community Federal Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 87th. Its strongest component is capital cushion (100/100; 15.68%), and its lowest is loan quality (3/100; 2.91%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.68%
Loan quality3/100
Loans 60+ days delinquent ÷ total loans: 2.91%
Earnings93/100
Return on assets (annualized): 1.81%
Funding & liquidity100/100
Loans ÷ shares: 53.9% · 3.0% uninsured
Problem-loan coverage83/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 8.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (73 → 73).

TellerScore
597182Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202463
Q4 202464
Q1 202570
Q2 202573
Q3 202580
Q4 202582
Q1 202677
Q2 202673
Net worth ratio
7.00%11.34%15.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.28%
Q3 202414.02%
Q4 202414.63%
Q1 202514.80%
Q2 202514.76%
Q3 202514.82%
Q4 202515.21%
Q1 202615.44%
Q2 202615.68%
Delinquent loans (60+ days)
1.49%2.64%3.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.49%
Q3 20243.15%
Q4 20243.80%
Q1 20252.39%
Q2 20252.26%
Q3 20251.52%
Q4 20251.49%
Q1 20262.35%
Q2 20262.91%
Return on assets
1.02%1.42%1.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.03%
Q3 20241.09%
Q4 20241.07%
Q1 20251.02%
Q2 20251.21%
Q3 20251.31%
Q4 20251.39%
Q1 20261.68%
Q2 20261.81%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$37.6M15.68%2.91%1.81%53.9%
Q1 202677$37.0M15.44%2.35%1.68%55.5%
Q4 202582$36.5M15.21%1.49%1.39%57.4%
Q3 202580$36.5M14.82%1.52%1.31%56.5%
Q2 202573$35.6M14.76%2.26%1.21%57.5%
Q1 202570$34.7M14.80%2.39%1.02%58.6%
Q4 202464$34.5M14.63%3.80%1.07%59.7%
Q3 202463$35.4M14.02%3.15%1.09%60.1%
Q2 202459$36.6M13.28%3.49%1.03%58.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.68%
58th
Problem loans2.91%
13th
Net charge-offs-0.17%
95th
Return on assets1.81%
91st
Loans to deposits53.9%
57th
Uninsured deposits3.0%
36th
Loan-loss reserves0.00%
37th
Texas ratio8.4%
17th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Chivaho Federal Credit UnionCredit union Chillicothe, OH84 out of 100, Strong$37.7M13.9%0.27%vs
Theory Federal Credit UnionCredit union Painesville, OH46 out of 100, Below average$38.4M8.7%2.11%vs
Members Choice Credit UnionCredit union Greenville, OH92 out of 100, Very strong$38.9M17.9%0.44%vs
Materion Federal Credit UnionCredit union Elmore, OH87 out of 100, Very strong$38.9M14.7%0.00%vs
Cincinnati Employees Credit UnionCredit union Harrison, OH50 out of 100, Below average$35.5M10.3%2.30%vs
Erie Community Federal Credit UnionCredit union Sandusky, OH53 out of 100, Below average$39.9M8.4%2.02%vs

Deposit insurance

Is my money safe at Softite Community Federal Credit Union?

Yes. Softite Community Federal Credit Union is a federally insured credit union (NCUA charter #19433). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.0% of shares and deposits ($953K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Softite Community Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Softite Community Federal Credit Union
Type
Federal credit union
NCUA charter #
19433
RSSD ID
80589
Primary regulator
NCUA
Established
1969
Headquarters
1201 S Zane Hwy, Martins Ferry, OH 43935
Employees
14

Quick answers

Softite Community Federal Credit Union: common questions

Is Softite Community Federal Credit Union NCUA insured?

Yes. Softite Community Federal Credit Union is a federally insured credit union (NCUA charter #19433). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Softite Community Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Softite Community Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Martins Ferry

InstitutionScoreAssetsCapitalProblem loansCompare
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH90 out of 100, Very strong$1.3M19.6%0.00%vs
Strip Steel Community Federal Credit UnionCredit union Weirton, WV88 out of 100, Very strong$59.9M19.3%0.24%vs
Eagle Can Employees Federal Credit UnionCredit union Wellsburg, WV80 out of 100, Strong$455K32.2%1.18%vs
Valley One Community Federal Credit UnionCredit union Steubenville, OH79 out of 100, Strong$42.2M12.2%0.16%vs