Elkhart, Indiana · Peer group 5
Chiphone Credit Union
Chiphone Credit Union holds $113.8M in assets across 8,907 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1947. Charter number 5422, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $113.8M |
|---|---|
| Total loans | $41.2M |
| Total shares (deposits) | $95.0M |
| Net worth | $18.1M |
| Members | 8,907 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.2% | |
|---|---|---|
| Loans | -6.8% | lower than 93% of its peer group |
| Deposits | -0.3% | around the 20th percentile of its peer group |
| Members | -1.9% | around the 31st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 43.3% | lower than 93% of its peer group |
|---|---|---|
| Net worth ratio | 15.9% | around the 89th percentile of its peer group |
| Return on assets | 0.56% | around the 40th percentile of its peer group |
| Delinquency ratio | 0.31% | around the 23rd percentile of its peer group |
| Cash / assets | 8.1% | around the 33rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Chiphone Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Indiana — the comparison set a peer ratio is measured against.
- Thrive Credit Union
MUNCIE, IN
$113.4M · 8,323 members
- Madison County Credit Union
Anderson, IN
$117.1M · 9,062 members
- Advance Financial Credit Union
Schererville, IN
$122.8M · 7,165 members
- Crossroads Financial Credit Union
Portland, IN
$104.3M · 9,003 members
- Sterling United Credit Union
EVANSVILLE, IN
$102.5M · 8,158 members
- Afena Credit Union
Marion, IN
$96.2M · 9,103 members
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