BlastPoint's Credit Union Scorecard
CHIPHONE
Charter #5422 · IN
CHIPHONE has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Net Worth Ratio: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.1% in tier
- - Liquidity Overhang: Bottom 50.8% in tier
- - Membership Headwinds: Bottom 64.2% in tier
- - Institutional Decline: Bottom 79.5% in tier
- - ROA 0.20% below tier average
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Total Loans: Bottom 3.2% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.8% in tier
- - Total Assets: Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 8.2% in tier
- - Average Member Relationship (AMR): Bottom 9.2% in tier
- - Loan Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,941
-1.9% YoY-0.6% QoQ
|
-6.5K |
15,437
-2.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$109.3M
+0.0% YoY-1.2% QoQ
|
$-122.6M |
$231.9M
+1.3% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.4% in tier |
| Loans |
$42.6M
-5.7% YoY-1.2% QoQ
|
$-104.7M |
$147.3M
-0.1% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.1% in tier |
| Deposits |
$90.9M
-0.3% YoY-1.3% QoQ
|
$-109.9M |
$200.8M
+0.8% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.0% in tier |
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| ROA |
0.6%
+82.6% YoY-9.1% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
4.0%
+11.0% YoY+1.1% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
74% |
| Efficiency Ratio |
75.5%
-4.1% YoY+1.6% QoQ
|
-1.5% |
77.0%
-3.1% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.4%
-64.4% YoY+74.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
24% |
| Loan To Share |
46.9%
-5.4% YoY+0.0% QoQ
|
-25.3% |
72.2%
-1.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.1% in tier |
| AMR |
$14,932
-0.2% YoY-0.7% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
12.7%
+0.2% YoY+0.4% QoQ
|
-11.7% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % |
11.8%
-13.1% YoY-2.6% QoQ
|
-1.9% | 13.8% | 10.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)