Side-by-side · Q2 2026 data
South Bend Transit Federal Credit Union vs Chiphone Federal Credit Union
Credit union
South Bend Transit Federal Credit Union
South Bend, Indiana · Under $100 million in assets
Metric by metric
| Measure | South Bend Transit Federal Credit Union | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 48 | 87 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 87 (stronger) |
| Earnings | 0 | 50 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 72 | 98 (stronger) |
| Peer percentile | 7th | 91st |
| Total assets | $2.9M | $111.8M |
| Deposits / shares | $2.0M | $93.0M |
| Capital ratio | 29.00% (stronger) | 16.43% |
| Problem loans | 6.84% | 0.38% (stronger) |
| Net charge-offs | 1.48% (stronger) | 1.85% |
| Return on assets | -2.29% | 0.75% (stronger) |
| Loans ÷ deposits | 86.1% | 43.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 48). On the 7 directional measures above (where higher or lower is clearly better), South Bend Transit Federal Credit Union 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.