Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Indiana State University Federal Credit Union
Credit union
Indiana State University Federal Credit Union
Terre Haute, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Indiana State University Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 85 |
| Loan quality | 87 (stronger) | 84 |
| Earnings | 50 | 53 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 91st | 80th |
| Total assets | $111.8M | $139.9M |
| Deposits / shares | $93.0M | $119.7M |
| Capital ratio | 16.43% (stronger) | 13.53% |
| Problem loans | 0.38% (stronger) | 0.48% |
| Net charge-offs | 1.85% | 0.05% (stronger) |
| Return on assets | 0.75% | 0.84% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 66.4% |
| Uninsured deposits | 3.8% (stronger) | 4.5% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 32.0% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 5 and Indiana State University Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.