BlastPoint's Credit Union Scorecard
CHIPHONE
Charter #5422 · IN
CHIPHONE has 2 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 51.3% in tier
- + Net Interest Margin 0.42% above tier average
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 15.3% 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
- - Liquidity Overhang: Bottom 59.4% 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
|
23% |
| 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 |
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| 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
|
41% |
| 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
|
73% |
| 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
|
39% |
| 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
|
50% |
| Indirect Auto % |
12.2%
-11.5% YoY-4.9% QoQ
|
-1.8% |
14.0%
-5.7% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (6)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)