Chiphone

ELKHART, IN · 1 · Charter #5422 · WWW.CHIPHONE.ORG
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$109.3M
52th percentile
Members
8,941
61th percentile
Total loans
$42.6M
32th percentile
Total shares
$90.9M
50th percentile

Profitability

Return on assets
1.52%
78th percentile
Net interest margin
4.07%
73th percentile
Efficiency ratio
69.00%
29th percentile
Non-interest income ratio
31.69%
94th percentile

Capital & Risk

Net worth ratio
16.43%
84th percentile
Delinquency rate
0.41%
72th percentile
Net charge-off rate
2.28%
1th percentile
Loan-to-share
46.92%
17th percentile

Growth

Member growth YoY
-1.93%
34th percentile
Asset growth YoY
0.04%
20th percentile
Loan growth YoY
-5.66%
16th percentile
Share growth YoY
-0.31%
21th percentile

Operations

Members / branch
1,490
9th percentile
Assets / member
$12,221
31th percentile
Field of membership penetration
25.55%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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