Side-by-side · Q2 2026 data
Central Soya Federal Credit Union vs Lakes Federal Credit Union
Credit union
Central Soya Federal Credit Union
Decatur, Indiana · Under $100 million in assets
Metric by metric
| Measure | Central Soya Federal Credit Union | Lakes Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 83 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 69 |
| Earnings | 43 | 61 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 83rd | 72nd |
| Total assets | $33.2M | $28.0M |
| Deposits / shares | $27.2M | $23.7M |
| Capital ratio | 18.39% (stronger) | 15.19% |
| Problem loans | 0.19% (stronger) | 0.92% |
| Net charge-offs | 0.04% | -0.10% (stronger) |
| Return on assets | 0.58% | 1.04% (stronger) |
| Loans ÷ deposits | 36.9% (stronger) | 65.5% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Soya Federal Credit Union has the higher TellerScore (87 vs 83). On the 6 directional measures above (where higher or lower is clearly better), Central Soya Federal Credit Union leads on 4 and Lakes Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.