Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Interra Credit Union
Metric by metric
| Measure | Chiphone Federal Credit Union | Interra Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 50 | 52 (stronger) |
| Funding & liquidity | 100 (stronger) | 55 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 91st | 36th |
| Total assets | $111.8M | $2.1B |
| Deposits / shares | $93.0M | $1.7B |
| Capital ratio | 16.43% (stronger) | 9.13% |
| Problem loans | 0.38% | 0.16% (stronger) |
| Net charge-offs | 1.85% | 0.09% (stronger) |
| Return on assets | 0.75% | 0.80% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 105.2% |
| Uninsured deposits | 3.8% | 0.0% (stronger) |
| Offices | 5 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 23.2% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 3 and Interra Credit Union on 4. 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.
Where both have branches
- Elkhart, IN
- Middlebury, IN
- Nappanee, IN