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Central Soya Credit Union
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Central Soya Credit Union Share
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Overview Share
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Central Soya Credit Union is a federal credit union based in Decatur, Indiana. It has been opened since 1940, for 82 years.

With around $23,250,000 in assets, Central Soya Credit Union is considered to be an average size credit union. It has 1 branches and 1 ATM locations.

About Share
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Address 1200 North 2nd Street
Decatur, Indiana 46733
Website http://centralsoyafcu.org
Phone (260) 724-1338
Fax (260) 724-1325
CEO Marilyn Cress
President of the Board Mark Everett
Services Offered
Score Card Share
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82 years
Years in business
Opened in 1940
Well Capitalized
Net worth classification
Source: NCUA
1,960 members
Membership type: Multiple common bond – primary chemical
Below average number of members
327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$23,247,916
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 3 in Indiana
Average number of branches
0.17%
Savings interest rate
Compared to 0.3% nationally
10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 3 in Indiana
Average number of branches
Central Soya Credit Union Branch Locations

Central Soya Federal Credit Union
1200 North 2nd Street
Decatur, Indiana 46733
No ATM
Members Share
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1,960 members
Membership type: Multiple common bond – primary chemical
Below average number of members

With 1,960 members, the Central Soya Credit Union is considered to be a small credit union. It is smaller than 66% of credit unions.

Fees Share
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$26
Average fee per member
The average fee per member at the Central Soya Credit Union is $26, which is low compared to most credit unions. This rate is lower than 69% of all credit unions.
Fees are lower than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Central Soya Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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327:1
Credit union member to staff ratio
327 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
6 staff members
FTE (full-time equivalent)
29% of employees are part-time
5 full-time, 2 part-time

Central Soya Credit Union has 5 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 71% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Central Soya Credit Union has around 327 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets Share
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$23,247,916
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
20.0%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$7,289
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 75% of credit unions.

Central Soya Credit Union holds a total of $5,490,000 in loans and leases, which is about $7,289 per member on average.

Savings interest rate Share
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0.17%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Central Soya Credit Union pays 0.17%.

Loan rates Share
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10.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
9.76%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
4.35%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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3.51%
New car loan rate
Compared to 4.0% nationally
3.93%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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4.25%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally

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