Side-by-side · Q2 2026 data
Chiphone Federal Credit Union vs Tlcu Financial Credit Union
Metric by metric
| Measure | Chiphone Federal Credit Union | Tlcu Financial Credit Union |
|---|---|---|
| TellerScore | 87 | 89 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 87 (stronger) | 85 |
| Earnings | 50 | 66 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 91st | 87th |
| Total assets | $111.8M | $59.4M |
| Deposits / shares | $93.0M | $49.5M |
| Capital ratio | 16.43% (stronger) | 16.01% |
| Problem loans | 0.38% (stronger) | 0.45% |
| Net charge-offs | 1.85% | 0.02% (stronger) |
| Return on assets | 0.75% | 1.15% (stronger) |
| Loans ÷ deposits | 43.3% | 39.1% (stronger) |
| Uninsured deposits | 3.8% | 2.5% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.7% | — |
Tlcu Financial Credit Union has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), Chiphone Federal Credit Union leads on 2 and Tlcu Financial Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.