CHIPHONE
Charter #5422 · ELKHART, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.92% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.31% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.63% sits at the 98th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 56th — a 46-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | CHIPHONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $113.79M | 10th pct | 56th pct |
| Members | 8,907 | 24th pct | 59th pct |
| Net worth ratio | 15.92% | 89th pct | 77th pct |
| Return on average assets | 0.57% | 40th pct | 38th pct |
| Net interest margin | 3.79% | 59th pct | 61th pct |
| Cost of funds | 0.66% | 25th pct | 39th pct |
| Loan-to-share | 43.30% | 7th pct | 33th pct |
| Delinquency 60+ days | 0.31% | 23th pct | 18th pct |
| Net charge-off ratio | 2.63% | 99th pct | 98th pct |
| Loan growth YoY | -4.66% | 7th pct | 23th pct |
| Share growth YoY | 3.27% | 47th pct | 59th pct |
| Efficiency ratio | 75.20% | 39th pct | 33th pct |
structural peer set hash: dfaa1622abfad9e6993cba956de8b739… (reproducible)
Closest structural peers
This is the free public view
Claim CHIPHONE
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.