Central Soya
Decatur, IN · Charter 4152 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$33.2MAssets
$10.0MLoans
$27.2MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets (rank 309 of 1683).
- Widest gap: net interest margin trails 94% of credit unions under $1B in assets (rank 1589 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.58%
Rank 1,032 of 1,683
Net Interest Margin
2.64%
Rank 1,589 of 1,683
Efficiency Ratio
77.51%
Rank 804 of 1,682
Equity / Assets
18.39%
Rank 309 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 39% | 1,032 / 1,683 | |
| Return on Equity | 3.18% | 2.67% | 5.89% | 8.74% | Beats 29% | 1,192 / 1,681 | |
| Net Interest Margin | 2.64% | 3.31% | 3.82% | 4.32% | Beats 6% | 1,589 / 1,683 | |
| Efficiency Ratio | 77.51% | 68.91% | 78.20% | 86.93% | Beats 52% | 804 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.26% | 0.65% | 1.29% | Beats 80% | 330 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 309 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.39% | 10.44% | 12.89% | 16.53% | Beats 82% | 309 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 36.89% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,536 / 1,683 | |
| Loans / Assets | 30.20% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,548 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |