Side-by-side · Q2 2026 data
First Bank of Berne vs Central Soya Federal Credit Union
Credit union
Central Soya Federal Credit Union
Decatur, Indiana · Under $100 million in assets
Metric by metric
| Measure | First Bank of Berne | Central Soya Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 84 | 94 (stronger) |
| Earnings | 100 (stronger) | 43 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 70th | 83rd |
| Total assets | $1.1B | $33.2M |
| Deposits / shares | $973.2M | $27.2M |
| Capital ratio | 9.92% | 18.39% (stronger) |
| Problem loans | 0.47% | 0.19% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 2.07% (stronger) | 0.58% |
| Loans ÷ deposits | 80.6% | 36.9% (stronger) |
| Uninsured deposits | 40.0% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
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), First Bank of Berne leads on 2 and Central Soya Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.