Central Soya vs Crossroads Financial
Comparing a Credit Union in Decatur, IN with a Credit Union in Portland, IN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Central Soya ↗ Credit Union · Decatur, IN · Est. 1940 | Crossroads Financial ↗ Credit Union · Portland, IN · Est. 1950 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Decatur, IN | Portland, IN |
| Total assets | $32.4M | $104.3M |
| Net worth ratio | 18.7% | 14.2% |
| Return on assets | 1.1% | 2.1% |
| Shares & deposits | — | — |
| Members | 1,898 | 9,003 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 124 | #6 of 124 |
| Established | 1940 | 1950 |
Central Soya
- Assets: $32.4M
- Members: 1,898
- Capital ratio: 18.7%
- Return on assets: 1.1%
- CFPB complaints: 0
- State rank: #5 of 124
Crossroads Financial
- Assets: $104.3M
- Members: 9,003
- Capital ratio: 14.2%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #6 of 124
Are both institutions federally insured?
Yes. Central Soya is NCUA-insured and Crossroads Financial is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Central Soya or Crossroads Financial?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Central Soya scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Central Soya safe?
Yes — Central Soya is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Crossroads Financial safe?
Yes — Crossroads Financial is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Central Soya vs Crossroads Financial?
Central Soya has a net worth ratio of 18.7%, placing it in the top 27% of <$100M peers. Crossroads Financial's ratio is 14.2%, placing it in the top 18% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Central Soya have compared to Crossroads Financial?
The CFPB database shows 0 complaints against Central Soya, and 0 complaints against Crossroads Financial. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Central Soya with other Credit Unions in Indiana
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
