CHIPHONE
Federal • Elkhart, Indiana • Est. 1947
Quick Facts
- Charter Number
- #5422
- Type
- Federal
- Established
- 1947
- Headquarters
- Elkhart, Indiana 46514-1876
- Address
- 710 N WILDWOOD AVE
- Branches
- 7
- ATMs
- 6
- Members
- 8,907
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
8,907 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CHIPHONE |
|---|---|
| Total Assets | $113.8M |
| Members | 8,907 |
| Loans Outstanding | $41.2M |
| Shares & Deposits | $95.0M |
| Net Worth | $18.1M |
| Net Worth Ratio | 15.92% |
| Loan-to-Share Ratio | 43.3% |
| Delinquency Rate | 0.31% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
7 locations · 6 ATMs
CORPORATE
Main Office710 N WILDWOOD AVE
Elkhart, IN 46514-1876
ELKHART
1655 W BEARDSLEY AVE
Elkhart, IN 46514-1825
NAPPANEE
250 N Miriam St
Nappanee, IN 46550-2216
MIDDLEBURY
403 CRYSTAL VALLEY DR
Middlebury, IN 46540-9588
ELKHART NORTH
619 County Road 6 E
Elkhart, IN 46514-5570
Who Can Join CHIPHONE?
Membership Type: Community
Membership eligibility for CHIPHONE may vary. Contact the credit union directly to confirm qualification requirements.
Contact CHIPHONE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Indiana
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Indiana RankingsFrequently Asked Questions
CHIPHONE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, CHIPHONE has 8,907 members and a potential membership field of 35,000 people.
CHIPHONE's reported net worth ratio is 15.92% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
CHIPHONE operates 7 branch locations and has access to 6 ATMs. The main office is located at 710 N WILDWOOD AVE, Elkhart, IN 46514-1876.
CHIPHONE was established in 1947. It is a federal credit union chartered under charter number 5422. The institution has been serving members for 79 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or CHIPHONE. All financial data is for informational purposes only.