TellerScore

Central Soya Federal Credit Union (NCUA charter #4152) is based in Decatur, Indiana. Its Q2 2026 call report shows $33.2M in total assets and $27.2M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Central Soya Federal Credit Union scores 87/100, which we describe as very strong. That is higher than 83% of 2,479 credit unions with under $100 million in assets. Among 121 credit unions headquartered in Indiana, it ranks 18th. Its strongest component is capital cushion (100/100; 18.39%), and its lowest is earnings (43/100; 0.58%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.39%
Loan quality94/100
Loans 60+ days delinquent ÷ total loans: 0.19%
Earnings43/100
Return on assets (annualized): 0.58%
Funding & liquidity100/100
Loans ÷ shares: 36.9% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.30%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (91 → 87), mostly because the earnings component weakened by 15 points.

TellerScore
788693Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202484
Q3 202490
Q4 202489
Q1 202578
Q2 202591
Q3 202592
Q4 202591
Q1 202693
Q2 202687
Net worth ratio
7.00%13.26%19.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.77%
Q3 202418.97%
Q4 202419.42%
Q1 202518.69%
Q2 202519.33%
Q3 202519.49%
Q4 202519.52%
Q1 202618.66%
Q2 202618.39%
Delinquent loans (60+ days)
0.04%0.33%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.12%
Q4 20240.37%
Q1 20250.23%
Q2 20250.04%
Q3 20250.05%
Q4 20250.12%
Q1 20260.05%
Q2 20260.19%
Return on assets
-0.55%0.28%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.62%
Q3 20240.90%
Q4 20240.99%
Q1 2025-0.55%
Q2 20250.95%
Q3 20251.05%
Q4 20251.06%
Q1 20261.11%
Q2 20260.58%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$33.2M18.39%0.19%0.58%36.9%
Q1 202693$32.4M18.66%0.05%1.11%37.7%
Q4 202591$30.5M19.52%0.12%1.06%40.0%
Q3 202592$30.1M19.49%0.05%1.05%39.8%
Q2 202591$29.9M19.33%0.04%0.95%40.1%
Q1 202578$29.9M18.69%0.23%-0.55%40.6%
Q4 202489$29.0M19.42%0.37%0.99%42.6%
Q3 202490$29.2M18.97%0.12%0.90%42.1%
Q2 202484$28.9M18.77%0.61%0.62%42.9%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio18.39%
71st
Problem loans0.19%
74th
Net charge-offs0.04%
63rd
Return on assets0.58%
47th
Loans to deposits36.9%
82nd
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Evansville Firefighters Federal Credit UnionCredit union Evansville, IN81 out of 100, Strong$33.8M12.4%0.00%vs
First County Federal Credit UnionCredit union Muncie, IN65 out of 100, Moderate$35.0M10.2%0.94%vs
Howard County School Em Federal Credit UnionCredit union Kokomo, IN73 out of 100, Strong$31.4M18.1%1.51%vs
Jackson County Co-Op Credit UnionCredit union Seymour, IN92 out of 100, Very strong$31.3M18.4%0.00%vs
Community Link Federal Credit UnionCredit union Huntington, IN65 out of 100, Moderate$35.9M13.4%2.04%vs
Financial Health Federal Credit UnionCredit union Indianapolis, IN46 out of 100, Below average$30.2M10.4%2.20%vs

Deposit insurance

Is my money safe at Central Soya Federal Credit Union?

Yes. Central Soya Federal Credit Union is a federally insured credit union (NCUA charter #4152). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Central Soya Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Central Soya Federal Credit Union
Type
Federal credit union
NCUA charter #
4152
RSSD ID
407878
Primary regulator
NCUA
Established
1940
Headquarters
1200 N 2nd Street, Decatur, IN 46733
Employees
5

Quick answers

Central Soya Federal Credit Union: common questions

Is Central Soya Federal Credit Union NCUA insured?

Yes. Central Soya Federal Credit Union is a federally insured credit union (NCUA charter #4152). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Central Soya Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Central Soya Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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