ELEMENTS FINANCIAL Credit Union Profile

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ELEMENTS FINANCIAL

Charter #22468 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (317) 524-5076

Fax: (317) 655-6171

Founding Date: N/A

Website: http://www.elements.org

Personnel & Operations

President: Saltsgaver, Mark

Manager: Huesing, John

FT Employees: 188

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 15.63%

Membership Type: 40

Branches: 5

Hours: M-F 8:30-5

Credit Union Profile Summary

ELEMENTS FINANCIAL is a FCU Credit Union. With a total of 99,396 members [1], this institution manages approximately $2,483,352,186 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.03% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.59% [1].

Financial Snapshot

Total Assets [1]
$2,483,352,186

Total economic resources.

Total Loans [1]
$1,682,350,300

Total value of outstanding loans.

Total Deposits [1]
$2,079,377,181

Total funds deposited by members.

Members [1]
99,396

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.03%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.89%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
80.91%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.72%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 4.59%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.47%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

225 S EAST ST, STE 300

INDIANAPOLIS, IN, 46202
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by ELEMENTS FINANCIAL (Charter #22468).

Main Office

Elements-FB Main Office

Type: Corporate Office

225 S East St

Ste 300

Indianapolis, IN 46202

Phone: (317) 524-5076

Services: Member Services

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Additional Branches

Indianapolis

Elements-LCC

Type: Branch Office

639 S Delaware St

Indianapolis, IN 46225

Phone: (317) 524-5161

Services: Member Services, ATM

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