Credit union · NCUA insured
Elements Financial
Top CarrotA $2.5B credit union, the 216th largest of 4,329, headquartered in Indianapolis, IN, with 100,051 members and 5 branches in Indiana. Best rates: CDs 4.50% and savings 2.15% APY.
Elements Financial Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#1 of 43 in Indianapolis, IN metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Elements Financial
Elements Financial is a member-owned credit union headquartered in Indianapolis, Indiana, founded in 1930 by the management of Eli Lilly and Company.
Originally organized as Eli Lilly Credit Union, it became Eli Lilly Federal Credit Union in 1984 and rebranded to Elements Financial in 2015.
- Headquarters
- 225 S East St, Ste 300, Indianapolis, IN 46202
- NCUA charter
- 22468
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of partner companies and organizations across the country are eligible for membership through employee benefit packages.
Family and household
- Immediate family or household members of an existing Elements account holder are eligible for membership.
Branches
5 branches in Indiana
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Indiana
5 branches
- Elements-FBMain office225 S East St, Ste 300, Indianapolis, IN 46202Directions
- Elements-LCC639 S Delaware St, Indianapolis, IN 46225Directions
- Elements-LTC1400 W Raymond St, Indianapolis, IN 46221Directions
- Elements_FB225 S East St, Ste. 140, Indianapolis, IN 46202Directions
- Elements_IGC302 W Washington St Rm E030, Indianapolis, IN 46204Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.92% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.46% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.41% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $85 | $88 | — |
- CapitalNet worth ratio11.92%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.46%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$85Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Elements Financial are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.