Central Soya

Decatur, IN · 1 · Charter #4152 · www.centralsoyafcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.5M
78th percentile
Members
1,754
59th percentile
Total loans
$9.8M
65th percentile
Total shares
$24.5M
76th percentile

Profitability

Return on assets
1.17%
66th percentile
Net interest margin
3.25%
26th percentile
Efficiency ratio
54.09%
77th percentile
Non-interest income ratio
7.71%
44th percentile

Capital & Risk

Net worth ratio
19.52%
72th percentile
Delinquency rate
0.12%
76th percentile
Net charge-off rate
0.19%
52th percentile
Loan-to-share
39.97%
22th percentile

Growth

Member growth YoY
0.57%
73th percentile
Asset growth YoY
5.20%
75th percentile
Loan growth YoY
-1.26%
58th percentile
Share growth YoY
5.16%
76th percentile

Operations

Members / branch
1,754
72th percentile
Assets / member
$17,383
92th percentile
Field of membership penetration
37.32%
52th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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