Side-by-side · Q2 2026 data
Lake City Bank vs Chiphone Federal Credit Union
Metric by metric
| Measure | Lake City Bank | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 73 | 87 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 88 (stronger) | 87 |
| Earnings | 86 (stronger) | 50 |
| Funding & liquidity | 26 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 70th | 91st |
| Total assets | $7.2B | $111.8M |
| Deposits / shares | $6.3B | $93.0M |
| Capital ratio | 11.89% | 16.43% (stronger) |
| Problem loans | 0.36% (stronger) | 0.38% |
| Net charge-offs | 0.08% (stronger) | 1.85% |
| Return on assets | 1.66% (stronger) | 0.75% |
| Loans ÷ deposits | 86.9% | 43.3% (stronger) |
| Uninsured deposits | 57.6% | 3.8% (stronger) |
| Offices | 55 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.4% | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lake City 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.
Where both have branches
- Elkhart, IN
- Middlebury, IN
- Nappanee, IN