Hometown vs Central Soya
Comparing a Credit Union in Peru, IN with a Credit Union in Decatur, IN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Hometown ↗ Credit Union · Peru, IN · Est. 1936 | Central Soya ↗ Credit Union · Decatur, IN · Est. 1940 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Peru, IN | Decatur, IN |
| Total assets | $37.5M | $32.4M |
| Net worth ratio | 32.1% | 18.7% |
| Return on assets | 3.5% | 1.1% |
| Shares & deposits | — | — |
| Members | 3,982 | 1,898 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 124 | #5 of 124 |
| Established | 1936 | 1940 |
Hometown
- Assets: $37.5M
- Members: 3,982
- Capital ratio: 32.1%
- Return on assets: 3.5%
- CFPB complaints: 0
- State rank: #3 of 124
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
Are both institutions federally insured?
Yes. Hometown is NCUA-insured and Central Soya 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, Hometown or Central Soya?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hometown 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 Hometown safe?
Yes — Hometown 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 Central Soya safe?
Yes — Central Soya 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 Hometown vs Central Soya?
Hometown has a net worth ratio of 32.1%, placing it in the top 5% of <$100M peers. Central Soya's ratio is 18.7%, placing it in the top 27% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Hometown have compared to Central Soya?
The CFPB database shows 0 complaints against Hometown, and 0 complaints against Central Soya. 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 Hometown 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.
