Side-by-side · Q2 2026 data
Sturgis Bank & Trust Company vs Chiphone Federal Credit Union
Metric by metric
| Measure | Sturgis Bank & Trust Company | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 56 | 87 (stronger) |
| Capital cushion | 36 | 100 (stronger) |
| Loan quality | 69 | 87 (stronger) |
| Earnings | 61 (stronger) | 50 |
| Funding & liquidity | 53 | 100 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 15th | 91st |
| Total assets | $1.0B | $111.8M |
| Deposits / shares | $893.0M | $93.0M |
| Capital ratio | 8.63% | 16.43% (stronger) |
| Problem loans | 0.92% | 0.38% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.85% |
| Return on assets | 1.03% (stronger) | 0.75% |
| Loans ÷ deposits | 85.1% | 43.3% (stronger) |
| Uninsured deposits | 35.3% | 3.8% (stronger) |
| Offices | 16 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.4% | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Sturgis Bank & Trust Company 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.