Side-by-side · Q2 2026 data
First State Bank of Middlebury vs Chiphone Federal Credit Union
Metric by metric
| Measure | First State Bank of Middlebury | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 87 (stronger) |
| Capital cushion | 84 | 100 (stronger) |
| Loan quality | 48 | 87 (stronger) |
| Earnings | 84 (stronger) | 50 |
| Funding & liquidity | 35 | 100 (stronger) |
| Problem-loan coverage | 81 | 98 (stronger) |
| Peer percentile | 34th | 91st |
| Total assets | $836.2M | $111.8M |
| Deposits / shares | $651.3M | $93.0M |
| Capital ratio | 13.37% | 16.43% (stronger) |
| Problem loans | 1.55% | 0.38% (stronger) |
| Net charge-offs | -0.00% (stronger) | 1.85% |
| Return on assets | 1.59% (stronger) | 0.75% |
| Loans ÷ deposits | 99.5% | 43.3% (stronger) |
| Uninsured deposits | 37.8% | 3.8% (stronger) |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First State Bank of Middlebury leads on 2 and Chiphone Federal Credit Union on 5. 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.
Where both have branches
- Elkhart, IN
- Middlebury, IN