Side-by-side · Q2 2026 data
Thrive Federal Credit Union vs Chiphone Federal Credit Union
Metric by metric
| Measure | Thrive Federal Credit Union | Chiphone Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 64 | 87 (stronger) |
| Earnings | 51 (stronger) | 50 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 45th | 91st |
| Total assets | $110.0M | $111.8M |
| Deposits / shares | $96.2M | $93.0M |
| Capital ratio | 12.00% | 16.43% (stronger) |
| Problem loans | 1.08% | 0.38% (stronger) |
| Net charge-offs | 0.43% (stronger) | 1.85% |
| Return on assets | 0.77% (stronger) | 0.75% |
| Loans ÷ deposits | 77.9% | 43.3% (stronger) |
| Uninsured deposits | 10.5% | 3.8% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | 16.7% |
Chiphone Federal Credit Union has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Thrive Federal Credit Union leads on 2 and Chiphone Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.