Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Communitywide Federal Credit Union
Credit union
Communitywide Federal Credit Union
South Bend, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Communitywide Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 82 |
| Loan quality | 87 (stronger) | 18 |
| Earnings | 50 (stronger) | 46 |
| Funding & liquidity | 100 (stronger) | 78 |
| Problem-loan coverage | 98 (stronger) | 71 |
| Peer percentile | 91st | 14th |
| Total assets | $111.8M | $873.9M |
| Deposits / shares | $93.0M | $752.5M |
| Capital ratio | 16.43% (stronger) | 13.16% |
| Problem loans | 0.38% (stronger) | 2.45% |
| Net charge-offs | 1.85% (stronger) | 2.55% |
| Return on assets | 0.75% (stronger) | 0.65% |
| Loans ÷ deposits | 43.3% (stronger) | 82.0% |
| Uninsured deposits | 3.8% (stronger) | 11.0% |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 7 and Communitywide Federal Credit Union on 0. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.