Sep, 30, 2025 — CENTRAL SOYA FEDERAL CREDIT UNION is a federal credit union headquartered in DECATUR, IN with 1 branch location and about $30.09 million in total assets. Opened 86 years ago in 1940, CENTRAL SOYA FEDERAL CREDIT UNION has about 1,752 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | CENTRAL SOYA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1200 N 2nd St DECATUR, IN 46733-1160 |
| Phone: | (260) 724-1338 |
| Fax: | (260) 724-1325 |
| Website: | https://www.centralsoyafcu.org |
| Branches: | 1 branch locations |
| Members: | 1,752 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 4152 |
|---|---|
| Membership Type: | Multiple common bond - Primarily chemical |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Aug 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $30,093,509 |
| CEO/Manager: | Nichole Hawkins |
| Chairperson: | Jason Bird |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,654,467 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 2,309,712 |
| Unsecured Loans | 1,008,262 |
| Other Loans | 6,336,962 |
| TOTAL LOANS | 9,654,936 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -26,190 |
| Land And Building | 197,917 |
| Other Fixed Assets | 12,869 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 227,727 |
| All Other Assets | 0 |
| TOTAL ASSETS | 30,093,509 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -8,705 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,855,909 |
| Regular shares | 16,258,720 |
| All Other Shares & Deposits | 5,122,514 |
| TOTAL SHARES & DEPOSITS | 24,237,145 |
| TOTAL LIABILITIES | 24,228,440 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,865,069 |
| TOTAL EQUITY | 5,865,069 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 30,093,509 |
| INCOME & EXPENSE | |
| Loan Income | 485,603 |
| Investment Income | 454,035 |
| Other Income | 68,243 |
| Total Employee Compensation & Benefits | 261,201 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 292,521 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 29,600 |
| Cost of Funds | 199,812 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 235,944 |
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