Federal credit union · Decatur, Indiana · NCUA charter #4152
Central Soya
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $30.5M
- Total assets
- 1,754
- Members
- 19.5%
- Net-worth ratio
Central Soya - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #4152 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Central Soya - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth65
- Liquidity (loan-to-share)64
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
19.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.52% | 30% |
| Delinquency Rate | 0.12% | 25% |
| Return on Assets | 0.94% | 15% |
| Member Growth | 0.57% | 15% |
| Loan-to-Share Ratio | 39.97% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $30.5M | 1,754 |
| 2024Q4 | $29.0M | 1,744 |
| 2023Q4 | $28.5M | 1,734 |
Credit Union Details
- Charter Number
- 4152
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Indiana
- City
- Decatur
- Data Quarter
- 2025Q4
What This Data Says About Central Soya
1,754 members and $30.5M in total assets sit behind Central Soya, a federal credit union in Decatur, Indiana, which posts a health score of 89/100 (Excellent) on the five-factor composite, with $9.8M in outstanding loans as of Q4 2025 and a net worth ratio of 19.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #4152 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
0.12% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Deposit deployment is captured by the 39.97% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.94% on net income of $287K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.57%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Central Soya financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Central Soya's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 19.52% net worth ratio and 0.12% delinquency rate are the key drivers.
How does Central Soya compare to other credit unions?
89/100 is Central Soya's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Central Soya?
Central Soya operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Central Soya directly for the exact boundaries and application steps.
Is my money safe at Central Soya?
Federal credit unions like Central Soya are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Central Soya's net worth ratio of 19.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Central Soya offer compared to banks?
Credit unions like Central Soya are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Central Soya directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.