Side-by-side · Q2 2026 data
Central Soya Federal Credit Union vs Sheboygan Area Credit Union
Credit union
Central Soya Federal Credit Union
Decatur, Indiana · Under $100 million in assets
Credit union
Sheboygan Area Credit Union
Sheboygan, Wisconsin · Under $100 million in assets
Metric by metric
| Measure | Central Soya Federal Credit Union | Sheboygan Area Credit Union |
|---|---|---|
| TellerScore | 87 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 94 | 96 (stronger) |
| Earnings | 43 | 96 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 83rd | 98th |
| Total assets | $33.2M | $93.4M |
| Deposits / shares | $27.2M | $78.1M |
| Capital ratio | 18.39% (stronger) | 15.26% |
| Problem loans | 0.19% | 0.13% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.58% | 1.90% (stronger) |
| Loans ÷ deposits | 36.9% (stronger) | 67.9% |
| Uninsured deposits | 0.0% (stronger) | 2.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.6% |
Sheboygan Area Credit Union has the higher TellerScore (97 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Central Soya Federal Credit Union leads on 3 and Sheboygan Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.