Compared with Indiana
4 of 20
compared fees are above the median.
9 below, 7 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
87th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 20 compared; 9 below, 7 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Three Rivers Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 452 credit unions with $1B to $10B in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Three Rivers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 11% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (87th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $5.1M in Q2 2026, 7.1% above the same quarter a year earlier ($4.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 20 compared published fees sit above the Indiana median; 9 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Indiana medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $5.1M. Its share of revenue, 11%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$5.1M
Three Rivers Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Three Rivers Federal Credit Union · $2.9B in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Three Rivers Federal Credit Union(this institution) | Fort Wayne, IN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Abound Federal Credit Union | Radcliff, KY | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altra Federal Credit Union | Onalaska, WI | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| American Eagle Financial Federal Credit Union | East Hartford, CT | $2.8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arrowhead Federal Credit Union | Rancho Cucamonga, CA | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bayport Federal Credit Union | Newport News, VA | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Capital Federal Credit Union | Green Bay, WI | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Civic Federal Credit Union | Raleigh, NC | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Commonwealth Federal Credit Union | Frankfort, KY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Consumers Federal Credit Union | Oshtemo, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Corning Federal Credit Union | Corning, NY | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union 1 | Lombard, IL | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Eglin Federal Credit Union | Fort Walton Beach, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Community Federal Credit Union | Houston, TX | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Florida Federal Credit Union | Gainesville, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gte Federal Credit Union | Tampa, FL | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Harborstone Federal Credit Union | Tacoma, WA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii State Federal Credit Union | Honolulu, HI | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lake Trust Federal Credit Union | Brighton, MI | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Oregon State Federal Credit Union | Corvallis, OR | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Partners Federal Credit Union | Burbank, CA | $2.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pen Air Federal Credit Union | Pensacola, FL | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Polish & Slavic Federal Credit Union | Brooklyn, NY | $2.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Selco Community Federal Credit Union | Springfield, OR | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Together Federal Credit Union | Saint Louis, MO | $2.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Y-12 Federal Credit Union | Oak Ridge, TN | $2.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $5 among 14 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 3, 2026. Total assets from FDIC and NCUA records.
Call reports for Three Rivers Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5.1M | −$1.7M | −24.3% |
| Q1 2026 | $6.8M | +$1.8M | +35.6% |
| Q4 2025 | $5.0M | −$93K | −1.8% |
| Q3 2025 | $5.1M | +$304K | +6.3% |
| Q2 2025 | $4.8M | +$461K | +10.6% |
| Q1 2025 | $4.3M | −$255K | −5.5% |
| Q4 2024 | $4.6M | −$132K | −2.8% |
| Q3 2024 | $4.7M | +$147K | +3.2% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Three Rivers Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Three Rivers Federal Credit Union by share.
Amounts from Three Rivers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour · Balancing Check Book (hourly rate) | $20.00
per transaction
per item
per item
per year
per year
per year
per statement · Copy of Statement (per statement) | $5.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Closed Account (if closed within 45 days) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| HSA Account Closure Fee (effective 3/1/18) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee | $30Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Monthly Inactive Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Balancing Check Book (hourly rate) | $20Not compared: Charged per hour; comparison unavailable | per hour | Balancing Check Book (hourly rate) | $20.00 |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF (Non-Sufficient Funds) Fee | $10Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| Non-3Rivers ATM fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
Wire Transfers | |||
| Outgoing Domestic Wire fee (Recurring) | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire Transfers | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment (each or series) | $33Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Item Check Processing - All Other | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copies of Drafts (per item) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Coin Counting | 10% | Not stated | None |
| Coin Counting (audience not stated, treated as personal) | 10% | Not stated | None |
| Coin Counting (limited locations) - 3Rivers Member | No chargeInside the U.S. middle 50% ($0 to $2 nationally) | Not stated | None |
| Returned Deposit | $6Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Late Payment Fee After 30 Days | $10Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box with Dimensions of 2x5 Annual Rental Fee: New Haven (audience not stated, treated as personal) | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levy/Garnishment | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA annual maintenance fee (on accounts under . Beginning 1/31/19) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA annual maintenance fee (on accounts under $1,000. Beginning 1/31/19) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per year | None |
| IRA or SEP Account Closure | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA or SEP Premature Withdrawals | $10Below the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer Out Fee (effective 3/1/18) | $25Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (per statement) | $5Not compared: Charged per statement; comparison unavailable | per statement | Copy of Statement (per statement) | $5.00 |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Three Rivers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
25 offices in 2 states (June 30, 2026)
Each dot is one office.
3 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Fort Wayne, IN | 10 |
| Richmond, IN | 2 |
| Angola, IN | 1 |
| Auburn, IN | 1 |
| Bluffton, IN | 1 |
| Columbia City, IN | 1 |
| Decatur, IN | 1 |
| Fortville, IN | 1 |
Largest competitors nearby
Local market: Allen county, IN, around its headquarters.
| 32 in its local market | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 19.5% |
| Lake City Bank | 15.8% |
| PNC Bank, National Association | 8.4% |
| Flagstar Bank, National Association | 8.4% |
| First Merchants Bank | 7.9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.