Federal credit union · ELKHART, Indiana · NCUA charter #5422
CHIPHONE
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $109.3M
- Total assets
- 8,941
- Members
- 15.9%
- Net-worth ratio
CHIPHONE scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $109.3M; members 8,941; net-worth ratio 15.92%; health rank #2,227 of 4,374; healthier than 46th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,227 of 4,374 health · 2025Q4CHIPHONE · health 83/100 · $109.3M · 2025Q4
Call Report peers
CHIPHONE in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
CHIPHONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); CHIPHONE sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for CHIPHONE
- Net Worth Ratio leads the peer set - 15.92% here, 12.11% peer average (+3.81 pp).
- Largest lag: Loan-to-Share Ratio at 46.92% vs peer 72.20% (-25.28 pp).
Indiana standing for CHIPHONE
- Indiana health ordinal: #65 of 124.
- Indiana assets place: #41 of 124.
- Member book place in Indiana: #43 of 124.
- One place up in Indiana, POLICEMEN'S (#64) ties at 83/100; one place down, Indiana Heartland (#66) ties at 83/100.
How CHIPHONE's 5300 filing moved
CHIPHONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $109.3M (2025Q4) to $113.8M (2026Q1).
- Net-worth ratio shifted -0.51 pp (16.43% → 15.92%).
At 15.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
CHIPHONE gives up 17 points in total. Member Growth costs the most, 9.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.2 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 10.3 pts
CHIPHONE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.92% | +3.81 pp |
| Delinquency Rate | 0.41% | -0.48 pp |
| Return on Assets | 0.31% | -0.31 pp |
| Member Growth | -1.93% | - |
| Loan-to-Share Ratio | 46.92% | -25.28 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
CHIPHONE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $113.8M | - |
| 2025Q4 | $109.3M | 8,941 |
| 2024Q4 | $109.2M | 9,117 |
| 2023Q4 | $111.2M | 9,318 |
Credit Union Details
- Charter Number
- 5422
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- ELKHART
- Data Quarter
- 2025Q4
Branch Locations (7)
Per its most recent NCUA branch filing, CHIPHONE runs 7 offices in 4 different cities.
| Office | City |
|---|---|
| CORPORATE (Main Office) | ELKHART, IN |
| ELKHART | ELKHART, IN |
| ELKHART NORTH | ELKHART, IN |
| ELKHART EAST | ELKHART, IN |
| MERRILLVILLE | MERRILLVILLE, IN |
| MIDDLEBURY | MIDDLEBURY, IN |
| NAPPANEE | NAPPANEE, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
A look at other Indiana credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- CHIPHONE ranks #2,227 of 4,374 nationally on financial health and #65 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- THRIVE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with THRIVE
Frequently Asked Questions
Is CHIPHONE financially healthy?
On its 2025Q4 NCUA 5300 filing, CHIPHONE scores 83/100 (Excellent), with a 15.92% net worth ratio and 0.41% of loans delinquent. It ranks #2,227 of 4,374 nationally on health and #65 of 124 in Indiana.
How does CHIPHONE compare to other credit unions?
CHIPHONE scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (15.92% vs 12.11%). Its widest shortfall is loan-to-share ratio (46.92% vs 72.20%).
How can I join CHIPHONE?
CHIPHONE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact CHIPHONE directly for the exact boundaries and application steps.
Is my money safe at CHIPHONE?
CHIPHONE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. CHIPHONE's net worth ratio of 15.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.