Side-by-side · Q2 2026 data
Farmers State Bank vs Chiphone Federal Credit Union
Metric by metric
| Measure | Farmers State Bank | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 87 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 99 (stronger) | 87 |
| Earnings | 94 (stronger) | 50 |
| Funding & liquidity | 50 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 91st |
| Total assets | $1.3B | $111.8M |
| Deposits / shares | $1.2B | $93.0M |
| Capital ratio | 10.75% | 16.43% (stronger) |
| Problem loans | 0.02% (stronger) | 0.38% |
| Net charge-offs | 0.01% (stronger) | 1.85% |
| Return on assets | 1.85% (stronger) | 0.75% |
| Loans ÷ deposits | 77.7% | 43.3% (stronger) |
| Uninsured deposits | 44.9% | 3.8% (stronger) |
| Offices | 12 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Chiphone Federal 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.