Headquartered in Middletown, Ohio, Sorg Bay West Federal Credit Union is a federal credit union with $11.6M in total assets and $10.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1950.
Based on its Q2 2026 filing, Sorg Bay West Federal Credit Union scores 17/100, which we describe as low. That is higher than only 0% of 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 192nd. Its strongest component is funding & liquidity (84/100; 76% loans-to-deposits, 0% uninsured), and its lowest is problem-loan coverage (0/100; 98.2%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score rose 4 points (13 → 17), mostly because the earnings component improved by 21 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 23 |
| Q3 2024 | 20 |
| Q4 2024 | 16 |
| Q1 2025 | 23 |
| Q2 2025 | 13 |
| Q3 2025 | 12 |
| Q4 2025 | 12 |
| Q1 2026 | 20 |
| Q2 2026 | 17 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.00% |
| Q3 2024 | 6.82% |
| Q4 2024 | 6.53% |
| Q1 2025 | 6.38% |
| Q2 2025 | 5.19% |
| Q3 2025 | 4.73% |
| Q4 2025 | 5.04% |
| Q1 2026 | 4.75% |
| Q2 2026 | 5.00% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.45% |
| Q3 2024 | 4.11% |
| Q4 2024 | 6.71% |
| Q1 2025 | 4.15% |
| Q2 2025 | 4.80% |
| Q3 2025 | 4.32% |
| Q4 2025 | 3.92% |
| Q1 2026 | 2.18% |
| Q2 2026 | 6.08% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.47% |
| Q3 2024 | -0.01% |
| Q4 2024 | -0.41% |
| Q1 2025 | 0.35% |
| Q2 2025 | -1.35% |
| Q3 2025 | -1.82% |
| Q4 2025 | -1.17% |
| Q1 2026 | -0.86% |
| Q2 2026 | 0.02% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 17 | $11.6M | 5.00% | 6.08% | 0.02% | 76.2% |
| Q1 2026 | 20 | $11.7M | 4.75% | 2.18% | -0.86% | 76.4% |
| Q4 2025 | 12 | $11.5M | 5.04% | 3.92% | -1.17% | 79.4% |
| Q3 2025 | 12 | $11.7M | 4.73% | 4.32% | -1.82% | 77.4% |
| Q2 2025 | 13 | $12.1M | 5.19% | 4.80% | -1.35% | 78.1% |
| Q1 2025 | 23 | $11.7M | 6.38% | 4.15% | 0.35% | 83.5% |
| Q4 2024 | 16 | $11.3M | 6.53% | 6.71% | -0.41% | 89.2% |
| Q3 2024 | 20 | $11.5M | 6.82% | 4.11% | -0.01% | 89.2% |
| Q2 2024 | 23 | $11.1M | 7.00% | 2.45% | -0.47% | 92.3% |
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).
Similar-size credit unions in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local 50 Plumbers & Steamftrs Federal Credit UnionCredit union Northwood, OH | 80 out of 100, Strong | $11.6M | 15.4% | 1.54% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Whitewater Community Credit UnionCredit union Harrison, OH | 69 out of 100, Moderate | $11.3M | 10.5% | 0.06% | vs |
| The Catholic Credit UnionCredit union Avon Lake, OH | 83 out of 100, Strong | $11.3M | 13.1% | 0.00% | vs |
| Ytr Community Federal Credit UnionCredit union Tiltonsville, OH | 77 out of 100, Strong | $12.1M | 15.1% | 1.65% | vs |
| Morrow County Federal Credit UnionCredit union Mount Gilead, OH | 65 out of 100, Moderate | $12.2M | 16.2% | 2.75% | vs |
Deposit insurance
Is my money safe at Sorg Bay West Federal Credit Union?
Yes. Sorg Bay West Federal Credit Union is a federally insured credit union (NCUA charter #6772). 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 0.0% of shares and deposits ($0) 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 5.00%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Sorg Bay West Federal Credit Union lists 1 office in 1 city. Most locations:
- Middletown, OH (1)
Identity & history
Profile
- Legal name
- Sorg Bay West Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 6772
- RSSD ID
- 817187
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- 400 N Broad St, Middletown, OH 45042
- Employees
- 4
Quick answers
Sorg Bay West Federal Credit Union: common questions
Is Sorg Bay West Federal Credit Union NCUA insured?
Yes. Sorg Bay West Federal Credit Union is a federally insured credit union (NCUA charter #6772). 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 Sorg Bay West Federal Credit Union's TellerScore?
17 out of 100 (Low), 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 Sorg Bay West Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Middletown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Trust Federal Credit UnionCredit union Mason, OH | 87 out of 100, Very strong | $23.4M | 19.1% | 0.05% | vs |
| The Harrison Building and Loan AssociationBank Harrison, OH | 86 out of 100, Very strong | $268.0M | 17.6% | 0.39% | vs |
| Middletown Area Schools Credit UnionCredit union Middletown, OH | 84 out of 100, Strong | $11.3M | 15.2% | 1.09% | vs |
| Republic Bank & Trust CompanyBank Louisville, KY | 84 out of 100, Strong | $7.1B | 14.8% | 0.56% | vs |
| Guardian Savings BankBank West Chester, OH | 83 out of 100, Strong | $1.4B | 11.4% | 0.20% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |