TellerScore

Chiphone Federal Credit Union is a federal credit union headquartered in Elkhart, Indiana, in business for about 79 years. At the end of Q2 2026 it reported $111.8M in total assets and $93.0M in member shares and deposits, with 5 offices.

Chiphone Federal Credit Union has a TellerScore of 87 out of 100 (very strong) based on Q2 2026 data — higher than 91% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 16th. Capital cushion contributes the most (100/100, 16.43%); earnings contributes the least (50/100, 0.75%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.43%
Loan quality87/100
Loans 60+ days delinquent ÷ total loans: 0.38%
Earnings50/100
Return on assets (annualized): 0.75%
Funding & liquidity100/100
Loans ÷ shares: 43.3% · 3.8% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.83%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 15 points (72 → 87), mostly because the loan quality component improved by 52 points.

TellerScore
728087Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202474
Q3 202477
Q4 202476
Q1 202578
Q2 202572
Q3 202587
Q4 202585
Q1 202686
Q2 202687
Net worth ratio
7.00%11.71%16.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202415.57%
Q3 202415.79%
Q4 202415.97%
Q1 202515.58%
Q2 202515.83%
Q3 202516.25%
Q4 202516.43%
Q1 202615.92%
Q2 202616.43%
Delinquent loans (60+ days)
0.24%1.09%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.55%
Q3 20241.06%
Q4 20241.16%
Q1 20251.42%
Q2 20251.94%
Q3 20250.24%
Q4 20250.41%
Q1 20260.31%
Q2 20260.38%
Return on assets
0.31%0.58%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.48%
Q3 20240.36%
Q4 20240.31%
Q1 20250.84%
Q2 20250.67%
Q3 20250.63%
Q4 20250.57%
Q1 20260.56%
Q2 20260.75%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202687$111.8M16.43%0.38%0.75%43.3%
Q1 202686$113.8M15.92%0.31%0.56%43.3%
Q4 202585$109.3M16.43%0.41%0.57%46.9%
Q3 202587$110.6M16.25%0.24%0.63%46.9%
Q2 202572$112.6M15.83%1.94%0.67%47.0%
Q1 202578$113.5M15.58%1.42%0.84%46.3%
Q4 202476$109.2M15.97%1.16%0.31%49.6%
Q3 202477$111.0M15.79%1.06%0.36%50.0%
Q2 202474$112.4M15.57%1.55%0.48%49.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.43%
91st
Problem loans0.38%
75th
Net charge-offs1.85%
2nd
Return on assets0.75%
51st
Loans to deposits43.3%
95th
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio0.8%
91st

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
Thrive Federal Credit UnionCredit union Muncie, IN68 out of 100, Moderate$110.0M12.0%1.08%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs
Crossroads Financial Federal Credit UnionCredit union Portland, IN100 out of 100, Very strong$102.4M15.1%0.05%vs
Sterling United Federal Credit UnionCredit union Evansville, IN64 out of 100, Moderate$101.6M10.5%0.86%vs
Advance Financial Federal Credit UnionCredit union Schererville, IN74 out of 100, Strong$122.9M13.1%0.76%vs
Members Advantage Credit UnionCredit union Michigan City, IN60 out of 100, Moderate$132.2M9.5%1.23%vs

Deposit insurance

Is my money safe at Chiphone Federal Credit Union?

Yes. Chiphone Federal Credit Union is a federally insured credit union (NCUA charter #5422). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.8% of shares and deposits ($3.6M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 16.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Chiphone Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Chiphone Federal Credit Union reported 7 home-loan applications under HMDA (LEI 254900JJ3E56IV4SHM86): 5 originated ($975,000 total), 1 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Chiphone Federal Credit Union
Type
Federal credit union
NCUA charter #
5422
RSSD ID
739971
Primary regulator
NCUA
Established
1947
Headquarters
710 N Wildwood Ave, Elkhart, IN 46514
Employees
34

Quick answers

Chiphone Federal Credit Union: common questions

Is Chiphone Federal Credit Union NCUA insured?

Yes. Chiphone Federal Credit Union is a federally insured credit union (NCUA charter #5422). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Chiphone Federal Credit Union's TellerScore?

87 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Chiphone Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Elkhart

InstitutionScoreAssetsCapitalProblem loansCompare
Everence Trust CompanyBank Goshen, IN94 out of 100, Very strong$16.2M96.8%0.00%vs
Policemen'S Federal Credit UnionCredit union South Bend, IN92 out of 100, Very strong$95.5M16.4%0.29%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
Tlcu Financial Credit UnionCredit union Mishawaka, IN89 out of 100, Very strong$59.4M16.0%0.45%vs
Kellogg Community Credit UnionCredit union Battle Creek, MI88 out of 100, Very strong$1.0B16.7%0.41%vs
Century Bank and TrustBank Coldwater, MI86 out of 100, Very strong$494.0M14.6%0.66%vs