Prep the base: Add the onion, garlic, beans, green chiles, cumin, coriander, oregano, chili powder, salt, and pepper to the slow cooker. Stir to combine.
Add chicken and broth: Nestle the chicken breasts (or thighs) on top.
Pour in the chicken broth so everything is mostly submerged.
Cook low and slow: Cover and cook on Low for 6–7 hours or High for 3–4 hours, until the chicken is tender and shreds easily.
Shred the chicken: Remove the chicken to a cutting board. Shred with two forks, then return it to the slow cooker.
Make it creamy: Stir in the sour cream and cream cheese (if using). Cover and cook on Low for another 15–20 minutes, stirring once or twice until smooth and slightly thickened.
Brighten it up: Stir in the lime juice and cilantro.
Taste and adjust salt, pepper, or lime as needed.
Serve: Ladle into bowls and top with cheese, avocado, jalapeños, chips, and extra cilantro if you like. A squeeze of lime is always welcome.