Side-by-side · Q2 2026 data
Central Soya Federal Credit Union vs Howard County School Em Federal Credit Union
Credit union
Central Soya Federal Credit Union
Decatur, Indiana · Under $100 million in assets
Credit union
Howard County School Em Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Central Soya Federal Credit Union | Howard County School Em Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 73 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 50 |
| Earnings | 43 (stronger) | 30 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 83rd | 47th |
| Total assets | $33.2M | $31.4M |
| Deposits / shares | $27.2M | $25.6M |
| Capital ratio | 18.39% (stronger) | 18.07% |
| Problem loans | 0.19% (stronger) | 1.51% |
| Net charge-offs | 0.04% (stronger) | 0.26% |
| Return on assets | 0.58% (stronger) | 0.24% |
| Loans ÷ deposits | 36.9% | 30.1% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 11.8% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Soya Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Central Soya Federal Credit Union leads on 6 and Howard County School Em Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.