ELEMENTS FINANCIAL
Federal • INDIANAPOLIS, Indiana • Est. 1976
Quick Facts
- Charter Number
- #22468
- Type
- Federal
- Established
- 1976
- Headquarters
- INDIANAPOLIS, Indiana 46202
- Address
- PO BOX 7123
- Branches
- 5
- ATMs
- 4
- Members
- 98,725
- 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
98,725 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ELEMENTS FINANCIAL |
|---|---|
| Total Assets | $2.5B |
| Members | 98,725 |
| Loans Outstanding | $1.7B |
| Shares & Deposits | $2.0B |
| Net Worth | $261.4M |
| Net Worth Ratio | 10.60% |
| Loan-to-Share Ratio | 82.6% |
| Delinquency Rate | 0.56% |
| Net Income | +$34,518,187 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 4 ATMs
Elements-LCC
639 S Delaware St
Indianapolis, IN 46225
Elements-LTC
1400 W Raymond St
Indianapolis, IN 46221-2004
Elements-FB
Main Office225 S East St
Indianapolis, IN 46202
Elements_IGC
302 W Washington St Rm E030
Indianapolis, IN 46204
Elements_FB
225 S East St
Indianapolis, IN 46202
Who Can Join ELEMENTS FINANCIAL?
Membership Type: Community
Membership eligibility for ELEMENTS FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ELEMENTS FINANCIAL 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. ELEMENTS FINANCIAL 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, ELEMENTS FINANCIAL has 98,725 members and a potential membership field of 194,422 people.
ELEMENTS FINANCIAL's net worth ratio is 10.60% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, ELEMENTS FINANCIAL meets this threshold.
ELEMENTS FINANCIAL operates 5 branch locations and has access to 4 ATMs. The main office is located at 225 S East St, Indianapolis, IN 46202.
ELEMENTS FINANCIAL was established in 1976. It is a federal credit union chartered under charter number 22468. The institution has been serving members for 50 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ELEMENTS FINANCIAL. All financial data is for informational purposes only.