Federal credit union · Decatur, Indiana · NCUA charter #4152
Central Soya
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $30.5M
- Total assets
- 1,754
- Members
- 18.7%
- Net-worth ratio
Central Soya scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.5M; members 1,754; net-worth ratio 18.66%; health rank #1,196 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,196 of 4,374 health · 2025Q4Central Soya · health 89/100 · $30.5M · 2025Q4
- BOOK 89/100
- CHARTER 18.7%
- NCUSIF 0.12%
- CAMELS 0.94%
- HEALTH $30.5M
- NW 1,754
- DELQ #1,196/4,374
- ROA Texas Community
- ASSETS 4152
Call Report peers
Central Soya in the assets neighbourhood
Central Soya's $30.5M assets sit next to Texas Community ($30.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Central Soya vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.66% vs peer 14.86% (+3.80 pp).
- Largest lag: Loan-to-Share Ratio at 39.97% vs peer 59.80% (-19.83 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Central Soya in Indiana
- In Indiana, health place is #34 of 124 on the same NCUA-ratio sort used nationally.
- Assets rank #87 of 124 inside Indiana ($30.5M reported).
- Member book place in Indiana: #95 of 124.
In-state ordinals use the live credit_unions table for IN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Central Soya Call Report trajectory
Central Soya: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.2% from $30.5M (2025Q4) to $32.4M (2026Q1).
- Net-worth ratio shifted -0.86 pp (19.52% → 18.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.66% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 9.3 pts
Central Soya health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.66% | +3.80 pp |
| Delinquency Rate | 0.12% | -1.03 pp |
| Return on Assets | 0.94% | +0.24 pp |
| Member Growth | 0.57% | - |
| Loan-to-Share Ratio | 39.97% | -19.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Central Soya
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.4M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Central Soya runs one office.
| Office | City |
|---|---|
| Central Soya Federal Credit Union (Main Office) | Decatur, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
Other federally-insured credit unions in Indiana, closest first by peer group and asset size.
Central Soya nationwide neighbourhoods
Cross-state asset and health neighbours for Central Soya - kept outside Indiana; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($30.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Central Soya ranks #1,196 of 4,374 nationally on financial health and #34 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Financial Health is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Financial Health
- Rates and health both vary by institution, not just by state -- see how Indiana credit unions compare overall before assuming this one is typical. Indiana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,196 of 4,374; by total assets it ranks #2,838 of 4,374 nationally (same basis as /rankings/largest); and #87 of 124 within Indiana. Above 80 reads excellent, below 50 warrants closer monitoring; a 18.66% 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 18.66% 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.
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.