Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs South Bend Firefighters Federal Credit Union
Credit union
South Bend Firefighters Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Metric by metric
| Measure | Chiphone Federal Credit Union | South Bend Firefighters Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 82 |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 64 |
| Earnings | 50 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 91st | 70th |
| Total assets | $111.8M | $64.3M |
| Deposits / shares | $93.0M | $49.0M |
| Capital ratio | 16.43% | 23.61% (stronger) |
| Problem loans | 0.38% (stronger) | 1.07% |
| Net charge-offs | 1.85% | 0.01% (stronger) |
| Return on assets | 0.75% | 1.29% (stronger) |
| Loans ÷ deposits | 43.3% (stronger) | 76.0% |
| Uninsured deposits | 3.8% (stronger) | 5.4% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 4 and South Bend Firefighters Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.