CHIPHONE
Charter #5422 | IN
100M-500M
(1077 CUs)
Micro
($0-$500M)
19 100M-500M in IN
CHIPHONE has 2 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 25.8% in tier
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.5% in tier
- - Accelerating Exit Risk: Bottom 15.3% in tier
- - Deposit Outflow: Bottom 18.5% in tier
- - Shrinking Wallet Share: Bottom 18.9% in tier
- - Membership Headwinds: Bottom 22.4% in tier
- - Institutional Decline: Bottom 25.3% in tier
- - Stagnation Risk: Bottom 28.2% in tier
- - ROA 0.16% below tier average
- - Net Charge-Off Rate: Bottom 0.5% in tier
- - Total Loans: Bottom 2.9% in tier
- - Total Deposits: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Loan Growth Rate: Bottom 7.2% in tier
- - Total Assets: Bottom 7.3% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,993
-1.6% YoY-0.6% QoQ
|
-6.6K |
15,628
-3.4% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 22.6% in tier |
| Assets |
$110.6M
-0.3% YoY-1.8% QoQ
|
$-120.7M |
$231.3M
-0.0% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.2% in tier |
| Loans |
$43.2M
-7.0% YoY-2.1% QoQ
|
$-104.6M |
$147.8M
-1.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.8% in tier |
| Deposits |
$92.0M
-0.9% YoY-1.9% QoQ
|
$-108.3M |
$200.3M
-0.0% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.5% in tier |
| ROA |
0.6%
+75.1% YoY-7.2% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
41st in tier |
| NIM |
4.0%
+14.3% YoY+2.1% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
73rd in tier |
| Efficiency Ratio |
74.3%
-6.8% YoY+0.1% QoQ
|
-2.9% |
77.3%
-3.0% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
39th in tier |
| Delinquency Rate |
0.2%
-77.8% YoY-87.8% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
46.9%
-6.1% YoY-0.2% QoQ
|
-25.8% |
72.7%
-1.5% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.6% in tier |
| AMR |
$15,034
-1.4% YoY-1.3% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.7% in tier |
| CD Concentration |
12.6%
+3.1% YoY+2.7% QoQ
|
-11.8% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
12.2%
-11.5% YoY-4.9% QoQ
|
-1.8% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growth
#484 of 627 • Top 25.8% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.62%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.63%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank improving
Concerns (7)
Liquidity Overhang
risk
#40 of 552 • Bottom 2.5% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
16.25%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
46.90%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
Accelerating Exit Risk
decline
#41 of 58 • Bottom 15.3% in tier
Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Why This Signature
Member Growth (YoY):
-1.63%
(Tier:
0.88%, National:
9.37%)
AMR Growth (YoY):
-1.35%
(Tier:
3.68%, National:
4.19%)
58 of 1077 Community CUs have this signature
| 73 nationally
↓ Shrinking
-89 CUs YoY
|
New qualifier
Deposit Outflow
decline
#110 of 114 • Bottom 18.5% in tier
Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.
Why This Signature
Deposit Growth (YoY):
-0.95%
(Tier:
4.79%, National:
12.00%)
Total Assets:
$110.58M
(Tier: $231.30M, National: $547.69M)
114 of 1077 Community CUs have this signature
| 143 nationally
↓ Shrinking
-169 CUs YoY
|
New qualifier
Shrinking Wallet Share
decline
#189 of 244 • Bottom 18.9% in tier
Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Why This Signature
AMR Growth (YoY):
-1.35%
(Tier:
3.68%, National:
4.19%)
244 of 1077 Community CUs have this signature
| 346 nationally
↓ Shrinking
-221 CUs YoY
|
New qualifier
Membership Headwinds
decline
#369 of 550 • Bottom 22.4% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-1.63%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Institutional Decline
decline
#200 of 256 • Bottom 25.3% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$110.58M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-1.63%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-6.99%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank improving
Stagnation Risk
risk
#465 of 550 • Bottom 28.2% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.62%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-1.63%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$15.0K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
12.65%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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)
Top Strengths (4 metrics)
109
Net Worth Ratio
risk
Value:
16.25%
Peer Avg: 12.15%
#109 of 1077
Top 10.0% in 100M-500M tier
143
Fee Income Per Member
profitability
Value:
$250.59
Peer Avg: $174.31
#143 of 1077
Top 13.2% in 100M-500M tier
149
Total Delinquency Rate (60+ days)
risk
Value:
0.24%
Peer Avg: 0.86%
#149 of 1077
Top 13.7% in 100M-500M tier
177
Share Certificate Concentration (%)
balance_sheet
Value:
12.65%
Peer Avg: 23.61%
#177 of 1077
Top 16.3% in 100M-500M tier
Top Weaknesses (13 metrics)
1073
Net Charge-Off Rate
risk
Value:
2.64%
Peer Avg: 0.47%
#1073 of 1077
Bottom 0.5% in 100M-500M tier
1047
Total Loans
balance_sheet
Value:
$43.17M
Peer Avg: $147.80M
#1047 of 1077
Bottom 2.9% in 100M-500M tier
1029
Total Deposits
balance_sheet
Value:
$92.03M
Peer Avg: $200.29M
#1029 of 1077
Bottom 4.5% in 100M-500M tier
1024
Loan-to-Member Ratio (LMR)
engagement
Value:
$4,800
Peer Avg: $10,245
#1024 of 1077
Bottom 5.0% in 100M-500M tier
1000
Loan Growth Rate
growth
Value:
-6.99%
Peer Avg: 3.45%
#1000 of 1077
Bottom 7.2% in 100M-500M tier
999
Total Assets
balance_sheet
Value:
$110.58M
Peer Avg: $231.30M
#999 of 1077
Bottom 7.3% in 100M-500M tier
995
Loan-to-Share Ratio
balance_sheet
Value:
46.90%
Peer Avg: 72.70%
#995 of 1077
Bottom 7.7% in 100M-500M tier
973
Average Member Relationship (AMR)
engagement
Value:
$15,034
Peer Avg: $24,363
#973 of 1077
Bottom 9.7% in 100M-500M tier
961
Members Per Employee (MPE)
engagement
Value:
230.590
Peer Avg: 332.881
#961 of 1077
Bottom 10.9% in 100M-500M tier
938
Deposit Growth Rate
growth
Value:
-0.95%
Peer Avg: 4.69%
#938 of 1077
Bottom 13.0% in 100M-500M tier