Credit union · NCUA insured
Sorg Bay West Federal Credit Union
A $11.7M credit union headquartered in Middletown, OH, with 805 members and 1 branch in Ohio. Best rates: CDs 2.78% and savings 0.05% APY.
Sorg Bay West Federal Credit Union Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#52 of 58 in Cincinnati, OH-KY-IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Sorg Bay West Federal Credit Union
Chartered in 1951, Sorg Bay West Federal Credit Union is a member-owned financial cooperative based in Middletown, Ohio.
Originally formed as Sorg Employees Federal Credit Union, it adopted its current name in the early 1990s and received an NCUA community charter in July 2005.
- Headquarters
- 400 N Broad St, Middletown, OH 45042-1909
- NCUA charter
- 6772
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, or worship within the City of Middletown are eligible for membership.
Branches
1 branch in Ohio
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Ohio
1 branch
- Sorg Bay West FcuMain office400 N Broad St, Middletown, OH 45042Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Undercapitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 5.00% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 6.08% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.02% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio5.00%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late6.08%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.02%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Sorg Bay West Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.