CHIPHONE Credit Union Profile

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CHIPHONE

Charter #5422 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (574) 294-3606

Fax: (574) 295-0294

Founding Date: N/A

Website: HTTP://WWW.CHIPHONE.ORG

Personnel & Operations

President: MILLER, TERRY

Manager: MAZUR, TRAVIS

FT Employees: 33

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 53

Branches: 6

Hours: M-Th 8:30 AM - 5:00 PM Fri 8:30 AM-5:30 PM

Credit Union Profile Summary

CHIPHONE is a FCU Credit Union. With a total of 9,051 members [1], this institution manages approximately $112,594,296 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.83% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.44% [1].

Financial Snapshot

Total Assets [1]
$112,594,296

Total economic resources.

Total Loans [1]
$44,082,826

Total value of outstanding loans.

Total Deposits [1]
$93,834,226

Total funds deposited by members.

Members [1]
9,051

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.83%

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]
0.69%

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

Loan-to-Share Ratio [1]
46.98%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.19%

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

Loan Growth (4Q) [1]
↓ -5.44%

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

Member Growth (4Q) [1]
↓ -1.77%

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

Headquarters Location & Map

Headquarters Address

710 N WILDWOOD AVE

ELKHART, IN, 46514-1876
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 7 branches reported by CHIPHONE (Charter #5422).

Main Office

CORPORATE Main Office

Type: Corporate Office

710 N WILDWOOD AVE

Elkhart, IN 46514-1876

Phone: (574) 294-3606

Services: None specified

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Additional Branches

Elkhart

ELKHART

Type: Branch Office

1655 W BEARDSLEY AVE

Elkhart, IN 46514-1825

Phone: (574) 294-3606

Services: Member Services, ATM, Drive-Thru

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ELKHART EAST

Type: Branch Office

661 County Road 17

Elkhart, IN 46516-9568

Phone: (574) 294-2420

Services: Member Services, ATM, Drive-Thru

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ELKHART NORTH

Type: Branch Office

619 County Road 6 E

Elkhart, IN 46514-5570

Phone: (574) 206-2151

Services: Member Services, ATM, Drive-Thru

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Merrillville

MERRILLVILLE

Type: Branch Office

17 W 73RD AVE

Merrillville, IN 46410

Phone: (219) 738-3249

Services: Member Services, ATM, Drive-Thru

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Middlebury

MIDDLEBURY

Type: Branch Office

403 CRYSTAL VALLEY DR

Middlebury, IN 46540-9588

Phone: (574) 825-7883

Services: Member Services, ATM, Drive-Thru

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Nappanee

NAPPANEE

Type: Branch Office

250 N Miriam St

Nappanee, IN 46550-2216

Phone: (574) 773-2428

Services: Member Services, ATM, Drive-Thru

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