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credit union

Sorg Bay West

Middletown, OH · Est. 1950
F
Trust Grade
Weak
Score: 39/100

Sorg Bay West is a credit union based in Middletown, Ohio, established in 1950, with $12 million in total assets serving 805 members. By Trust Grade it ranks 194th of 195 credit unions we track in Ohio. Its net worth ratio of 4.8% trails most similarly sized credit unions (1th percentile), versus a Ohio median of 12%. It posted a loss over the most recent period (-0.86% return on assets), a point to watch. No consumer complaints against Sorg Bay West appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$11.7M
<$100M institution
Members
805
Shares & deposits
Net worth ratio
4.8%
Bottom 1% of <$100M peers · Ohio median 12%
Return on assets
-0.9%
Bottom 9% of <$100M peers · Ohio median 0.69%
Rank in Ohio
#194
of 195 credit unions

How Sorg Bay West compares to Ohio peers

Net worth ratio
Bottom 1% of <$100M peers
Sorg Bay
4.8%
Ohio median
12.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 9% of <$100M peers
Sorg Bay
-0.9%
Ohio median
0.7%
Higher ROA = more profitable relative to asset base

How we graded Sorg Bay West

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
39/100
Customer experience
n/a
Overall
F · 39
  • Below the well-capitalized threshold (4.8%)
  • Unprofitable over the period (ROA -0.86%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Sorg Bay West over the analysis window. For a smaller institution this is common and counts in its favor.

Are deposits at Sorg Bay West insured?

Yes. Sorg Bay West is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Sorg Bay West: frequently asked questions

Is Sorg Bay West a good credit union?

Sorg Bay West earns a Bankzia Trust Grade of F (39/100, "Weak"), based on a financial-strength score of 39/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (4.8%); Unprofitable over the period (ROA -0.86%).

Is Sorg Bay West NCUA-insured?

Yes. Sorg Bay West is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.

How big is Sorg Bay West?

Sorg Bay West holds $12 million in total assets, ranking 194th of 195 credit unions we track in Ohio. It serves 805 members.

Does Sorg Bay West have CFPB complaints?

No CFPB complaints against Sorg Bay West appear in our data over the analysis window, which is typical for a credit union of this size.

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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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