Three Rivers vs Central Soya
Comparing a Credit Union in Fort Wayne, IN with a Credit Union in Decatur, IN using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Three Rivers ↗ Credit Union · Fort Wayne, IN · Est. 1935 | Central Soya ↗ Credit Union · Decatur, IN · Est. 1940 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Fort Wayne, IN | Decatur, IN |
| Total assets | $2.8B | $32.4M |
| Net worth ratio | 13.6% | 18.7% |
| Return on assets | 1.8% | 1.1% |
| Shares & deposits | — | — |
| Members | 138,447 | 1,898 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 124 | #5 of 124 |
| Established | 1935 | 1940 |
Three Rivers
- Assets: $2.8B
- Members: 138,447
- Capital ratio: 13.6%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #1 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. Three Rivers 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, Three Rivers or Central Soya?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Three Rivers 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 Three Rivers safe?
Yes — Three Rivers 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 Three Rivers vs Central Soya?
Three Rivers has a net worth ratio of 13.6%, placing it in the top 13% of $1B–10B 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 Three Rivers have compared to Central Soya?
The CFPB database shows 0 complaints against Three Rivers, 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 Three Rivers 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.
