CU Explorer
Credit unions · Indiana · Q2 2026

Chiphone FCU

Credit union in Elkhart, IN · NCUA charter #5422 · Federal charter

Legal name: Chiphone

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$112M
Total loans & leases$40.2M
Total shares & deposits$93.0M
Members8,873
Net worth$18.4M
Net worth / assets16.43%
Loans / assets35.95%
Return on assets (annualized)0.75%
Loan growth (YoY)−8.79%
Member growth (YoY)−1.97%
Delinquency, all loans (60+ days)0.38%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$100M–$500M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, remote deposit capture. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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