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
- 8,941
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
8,941 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | CHIPHONE |
|---|---|
| Total Assets | $109.3M |
| Members | 8,941 |
| Loans Outstanding | $42.6M |
| Shares & Deposits | $90.9M |
| Net Worth | $18.0M |
| Net Worth Ratio | 16.43% |
| Loan-to-Share Ratio | 46.9% |
| Delinquency Rate | 0.41% |
| Net Income | +$1,666,043 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Indiana RankingsFrequently Asked Questions
Yes. CHIPHONE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, CHIPHONE has 8,941 members and a potential membership field of 35,000 people.
CHIPHONE's net worth ratio is 16.43% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 16.4%, CHIPHONE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or CHIPHONE. All financial data is for informational purposes only.