Central Soya Federal Credit Union
Total assets
$32.4M
▲ +8.3% YoY
Shares & deposits
$26.3M
▲ +8.3% YoY
Loans
$9.9M
▲ +0.6% YoY
Members
1,898
▲ +9.0% YoY
ROA (annualized)
1.11%
peers 0.60%
ROE (annualized)
5.97%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +1.3% | +7.0 pts |
| Share growth (YoY) | +8.3% | +0.7% | +7.7 pts |
| Loan growth (YoY) | +0.6% | -2.4% | +2.9 pts |
| ROA | 1.11% | 0.60% | +0.5 pts |
| ROE | 6.0% | 4.1% | +1.9 pts |
ROA ranks in the 73rd percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 1200 N 2Nd Street, Decatur, IN, 46733
- NCUA charter #
- 4152
- RSSD ID
- 407878
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $32.4M | $26.3M | $9.9M | $6.0M | $90K | 1.11% | 3.04% | 0.05% | 1,898 |
| Q4 2025 | $30.5M | $24.5M | $9.8M | $6.0M | $322K | 1.06% | 3.25% | 0.12% | 1,754 |
| Q3 2025 | $30.1M | $24.2M | $9.7M | $5.9M | $236K | 1.05% | 3.28% | 0.05% | 1,752 |
| Q2 2025 | $29.9M | $24.1M | $9.7M | $5.8M | $142K | 0.95% | 3.28% | 0.04% | 1,752 |
| Q1 2025 | $29.9M | $24.2M | $9.8M | $5.6M | $-41K | -0.55% | 3.18% | 0.23% | 1,742 |
| Q4 2024 | $29.0M | $23.3M | $9.9M | $5.6M | $287K | 0.99% | 3.11% | 0.37% | 1,744 |
| Q3 2024 | $29.2M | $23.7M | $10.0M | $5.5M | $196K | 0.90% | 3.02% | 0.12% | 1,744 |
| Q2 2024 | $28.9M | $23.4M | $10.1M | $5.4M | $90K | 0.62% | 2.95% | 0.61% | 1,740 |
Loan mix (Q1 2026): real estate $2.3M · commercial $0 · consumer $6.9M · securities $17.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.60% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 4.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.83% | 20th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 81.5% | 19th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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