Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Sterling United Federal Credit Union
Credit union
Sterling United Federal Credit Union
Evansville, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Chiphone Federal Credit Union | Sterling United Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 87 (stronger) | 71 |
| Earnings | 50 (stronger) | 38 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 91st | 31st |
| Total assets | $111.8M | $101.6M |
| Deposits / shares | $93.0M | $90.5M |
| Capital ratio | 16.43% (stronger) | 10.50% |
| Problem loans | 0.38% (stronger) | 0.86% |
| Net charge-offs | 1.85% | 0.82% (stronger) |
| Return on assets | 0.75% (stronger) | 0.46% |
| Loans ÷ deposits | 43.3% (stronger) | 74.9% |
| Uninsured deposits | 3.8% (stronger) | 3.9% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | 12.2% |
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 6 and Sterling United Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.