Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Omni Community Credit Union
Credit union
Omni Community Credit Union
Battle Creek, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Omni Community Credit Union |
|---|---|---|
| TellerScore | 87 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 75 |
| Earnings | 50 | 88 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 91st | 95th |
| Total assets | $111.8M | $662.0M |
| Deposits / shares | $93.0M | $553.8M |
| Capital ratio | 16.43% (stronger) | 16.32% |
| Problem loans | 0.38% (stronger) | 0.75% |
| Net charge-offs | 1.85% | 0.88% (stronger) |
| Return on assets | 0.75% | 1.71% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 66.9% |
| Uninsured deposits | 3.8% (stronger) | 8.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Omni Community Credit Union has the higher TellerScore (90 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 4 and Omni Community Credit Union on 3. 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.