BlastPoint's Credit Union Scorecard
CENTRAL SOYA
Charter #4152 · IN
CENTRAL SOYA demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,754
+0.6% YoY+0.1% QoQ
|
-861 |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$30.5M
+5.2% YoY+1.3% QoQ
|
+$344K |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
60% |
| Loans |
$9.8M
-1.3% YoY+1.5% QoQ
|
$-6.0M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$24.5M
+5.2% YoY+1.2% QoQ
|
$-1.2M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
58% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+7.7% YoY+1.3% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.3%
+5.9% YoY-0.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
67.6%
-1.0% YoY+0.0% QoQ
|
-14.9% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.1%
-68.3% YoY+133.7% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
40.0%
-6.1% YoY+0.3% QoQ
|
-20.6% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$19,573
+2.7% YoY+1.2% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
19.5%
+26.5% YoY+4.4% QoQ
|
-4.9% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)