PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Soya

Decatur, IN · Charter 4152

NCUA · 1 branch

Q2 2026

$33.2MAssets
$10.0MLoans
$27.2MShares
$6.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.58%, down 37 bps year over year; NIM at 2.64%.
  • Asset quality: problem loans at 0.19% of loans (+15 bps YoY).
  • Capital: net worth / assets of 18.39%, down 94 bps from a year ago.
  • Funding: loans stand at 36.89% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.58%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.64%-64 bps YoY

Efficiency Ratio (YTD, annualized)

77.53%+862 bps YoY

Net Worth / Assets

18.39%-94 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.95%1.05%1.06%1.11%0.58%-37 bps
Return on Equity4.94%5.36%5.41%5.97%3.17%-176 bps
Net Interest Margin3.28%3.28%3.25%3.04%2.64%-64 bps
Efficiency Ratio68.91%67.59%67.62%65.67%77.53%+862 bps
Growth
Asset Growth (YoY)3.19%3.05%5.20%8.26%11.28%+810 bps
Loan Growth (YoY)-3.89%-3.22%-1.26%0.56%3.83%+771 bps
Share Growth (YoY)2.80%2.33%5.16%8.31%12.88%+1,008 bps
Asset Quality
Delinquent Loans / Loans0.04%0.05%0.12%0.05%0.19%+15 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.33%19.49%19.52%18.66%18.39%-94 bps
Net Worth / Assets19.33%19.49%19.52%18.66%18.39%-94 bps
Liquidity & Funding
Loans / Shares40.11%39.84%39.97%37.67%36.89%-322 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps