Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Crossroads Financial Federal Credit Union
Credit union
Crossroads Financial Federal Credit Union
Portland, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Crossroads Financial Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 100 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 | 98 (stronger) |
| Earnings | 50 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 91st | 100th |
| Total assets | $111.8M | $102.4M |
| Deposits / shares | $93.0M | $86.4M |
| Capital ratio | 16.43% (stronger) | 15.12% |
| Problem loans | 0.38% | 0.05% (stronger) |
| Net charge-offs | 1.85% | 0.07% (stronger) |
| Return on assets | 0.75% | 2.37% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 54.4% |
| Uninsured deposits | 3.8% | 2.2% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Crossroads Financial Federal Credit Union has the higher TellerScore (100 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 2 and Crossroads Financial Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.