CENTRAL SOYA
Charter #4152 · Decatur, IN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,898 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 18.66% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.13% sits at the 16th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.05% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 67th percentile but its structural peers at the 36th — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CENTRAL SOYA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $32.37M | 67th pct | 36th pct |
| Members | 1,898 | 42th pct | 13th pct |
| Net worth ratio | 18.66% | 80th pct | 85th pct |
| Return on average assets | 1.15% | 74th pct | 52th pct |
| Net interest margin | 3.13% | 20th pct | 16th pct |
| Cost of funds | 1.19% | 66th pct | 74th pct |
| Loan-to-share | 37.67% | 18th pct | 31th pct |
| Delinquency 60+ days | 0.05% | 15th pct | 15th pct |
| Net charge-off ratio | 0.13% | 50th pct | 38th pct |
| Loan growth YoY | 2.44% | 84th pct | 85th pct |
| Share growth YoY | 8.33% | 92th pct | 85th pct |
| Efficiency ratio | 65.67% | 18th pct | 31th pct |
structural peer set hash: 2e67b1b282f889fde808cd8bb96e22cc… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.