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Softite Community Credit Union
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Softite Community Credit Union Share
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Overview Share
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Softite Community Credit Union is a federal credit union based in Martins Ferry, Ohio. It has been opened since 1969, for 53 years.

With around $22,060,000 in assets, Softite Community Credit Union is considered to be an average size credit union. It has 3 branches and 1 ATM locations.

About Share
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Address 1201 S. Zane Highway
Martins Ferry, Ohio 43935
Website http://softitecfcu.com
Phone (740) 633-2103
Fax (740) 633-3304
CEO Pam Fankhouser
President of the Board James Lepic
Services Offered
Score Card Share
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53 years
Years in business
Opened in 1969
Well Capitalized
Net worth classification
Source: NCUA
3,387 members
Membership type: Community credit union
Average number of members
271:1
Credit union member to staff ratio
271 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$22,061,166
Total assets
Average size
3 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
Branches Share
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3 branches
Compared with an average of 4 nationally and 3 in Ohio
Above average number of branches
Softite Community Credit Union Branch Locations

Softite Community Federal Credit Union
100 Longview Avenue
Mingo Junction, Ohio 43938
ATM Available
Softite Community Federal Credit Union
67801 Banfield Road
Saint Clairsville, Ohio 43950
No ATM
Softite Community Federal Credit Union
1201 S. Zane Highway
Martins Ferry, Ohio 43935
No ATM
Members Share
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3,387 members
Membership type: Community credit union
Average number of members

With 3,387 members, the Softite Community Credit Union is considered to be a medium size credit union. It is larger than 48% of credit unions.

Fees Share
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$75
Average fee per member
The average fee per member at the Softite Community Credit Union is $75, which is high compared to most credit unions. This rate is higher than 70% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Softite Community Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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271:1
Credit union member to staff ratio
271 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
12 staff members
FTE (full-time equivalent)
33% of employees are part-time
10 full-time, 5 part-time

Softite Community Credit Union has 10 full-time staff members and 5 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 67% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Softite Community Credit Union has around 271 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets Share
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$22,061,166
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
14.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$11,740
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 62% of credit unions.

Softite Community Credit Union holds a total of $10,770,000 in loans and leases, which is about $11,740 per member on average.

Savings interest rate Share
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Softite Community Credit Union pays 0.20%.

Loan rates Share
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14.52%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
12.29%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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5.10%
New car loan rate
Compared to 4.0% nationally
10.95%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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7.99%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
7.99%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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Credit Union Branch: 1201 S. Zane Highway
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Softite Community Federal Credit Union
Credit Union Branch: 100 Longview Avenue
Mingo Junction, Ohio 43938 ATM Available