BlastPoint's Credit Union Scorecard

CHIPHONE

Charter #5422 · IN

100M-500M

1024 CUs in 100M-500M nationally 21 in IN

CHIPHONE has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

IN Analysis

How does IN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.13% above tier average
+ Fee Income Per Member: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Net Charge-Off Rate: Bottom 2.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 21 that size in Indiana.
Shares and deposits -0.9% year over year ($93.0M in shares and deposits).
Membership: 8,873 members, -2.0% vs a year ago.
Delinquency rate 0.38%.
Return on assets 0.75%.
Efficiency ratio 75.48% vs a 76.73% peer average.
Loan-to-share ratio 43.26% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Members	8,873 -2.0% YoY-0.4% QoQ	-6.3K	15,168 -2.6% YoY	23,392 +5.7% YoY	34,678 +6.6% YoY	24%
Assets	$111.8M -0.7% YoY-1.7% QoQ	$-120.2M	$232.0M +0.7% YoY	$404.4M +8.2% YoY	$593.1M +10.2% YoY	Bottom 8.0% in tier
Loans	$40.2M -8.8% YoY-2.3% QoQ	$-106.1M	$146.3M +0.2% YoY	$288.6M +8.1% YoY	$418.6M +10.1% YoY	Bottom 2.5% in tier
Deposits	$93.0M -0.9% YoY-2.2% QoQ	$-107.8M	$200.7M +0.2% YoY	$337.5M +7.0% YoY	$504.8M +10.3% YoY	Bottom 5.0% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +10.9% YoY+33.0% QoQ	-0.1%	0.9% +12.5% YoY	1.6% +105.9% YoY	1.2% +121.4% YoY	49%
NIM	3.8% -2.8% YoY+2.5% QoQ	+0.1%	3.7% +4.5% YoY	3.9% +3.1% YoY	3.8% +2.3% YoY	59%
Efficiency Ratio	75.5% +1.6% YoY+0.4% QoQ	-1.3%	76.7% -0.8% YoY	105.3% +31.6% YoY	83.0% -5.3% YoY	43%
Delinquency Rate	0.4% -80.4% YoY+22.3% QoQ	-0.5	0.9% +6.6% YoY	1.6% +32.0% YoY	1.3% +2.6% YoY	26%
Loan To Share	43.3% -7.9% YoY-0.1% QoQ	-28.3%	71.5% -0.3% YoY	68.6% +0.4% YoY	66.4% -1.4% YoY	Bottom 5.9% in tier
AMR	$15,007 -1.5% YoY-1.9% QoQ	$-10K	$25,107 +3.2% YoY	$18,349 +1.6% YoY	$20,028 -0.9% YoY	Bottom 9.0% in tier
CD Concentration	13.3% +8.5% YoY+3.2% QoQ	-11.2%	24.6%	19.4%	20.0%	50%
Indirect Auto %	10.2% -20.2% YoY-10.0% QoQ	-3.4%	13.6%	11.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Stagnation Risk

risk

#227 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.79%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.38%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Liquidity Overhang

risk

#62 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.43%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

Loan-to-Share Ratio: 43.26%

(Tier: 73.56%, National: 66.39%)

worse than tier avg

130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally

↑ Growing +7 CUs YoY | New qualifier

Institutional Decline

decline

#140 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $111.83M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -8.79%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | Rank improving

Membership Headwinds

decline

#335 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#162 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.51%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#35 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -1.97%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -1.51%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (3 metrics)

102

Fee Income Per Member

profitability

Value: $258.42

Peer Median: $159.88

#102 of 1024 Top 9.9% in 100M-500M tier

105

Net Worth Ratio

risk

Value: 16.43%

Peer Median: 11.71%

#105 of 1024 Top 10.2% in 100M-500M tier

171

Share Certificate Concentration (%)

balance_sheet

Value: 13.35%

Peer Median: 23.39%

#171 of 1024 Top 16.6% in 100M-500M tier

Top Weaknesses (12 metrics)

1005

Net Charge-Off Rate

risk

Value: 1.83%

Peer Median: 0.34%

#1005 of 1024 Bottom 2.0% in 100M-500M tier

998

Total Loans

balance_sheet

Value: $40.21M

Peer Median: $124.04M

#998 of 1024 Bottom 2.6% in 100M-500M tier

989

Loan Growth Rate

growth

Value: -8.79%

Peer Median: 3.02%

#989 of 1024 Bottom 3.5% in 100M-500M tier

989

Loan-to-Member Ratio (LMR)

engagement

Value: $4,531

Peer Median: $9,434

#989 of 1024 Bottom 3.5% in 100M-500M tier

973

Total Deposits

balance_sheet

Value: $92.95M

Peer Median: $170.77M

#973 of 1024 Bottom 5.1% in 100M-500M tier

964

Loan-to-Share Ratio

balance_sheet

Value: 43.26%

Peer Median: 73.07%

#964 of 1024 Bottom 6.0% in 100M-500M tier

942

Total Assets

balance_sheet

Value: $111.83M

Peer Median: $196.38M

#942 of 1024 Bottom 8.1% in 100M-500M tier

932

Average Member Relationship (AMR)

engagement

Value: $15,007

Peer Median: $23,006

#932 of 1024 Bottom 9.1% in 100M-500M tier

892

AMR Growth Rate

growth

Value: -1.51%

Peer Median: 3.53%

#892 of 1024 Bottom 13.0% in 100M-500M tier

885

Asset Growth Rate

growth

Value: -0.68%

Peer Median: 4.12%

#885 of 1024 Bottom 13.7% in 100M-500M tier