Compared with Indiana
2 of 15
compared fees are above the median.
5 below, 8 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
60th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 15 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Profinance 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 2,932 credit unions with under $300M 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. | Profinance Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.6% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (60th 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 $20K in Q2 2026, 11% above the same quarter a year earlier ($18K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 15 compared published fees sit above the Indiana median; 5 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.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
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 rose 18% from Q3 2025 to Q2 2026, to $20K. Its share of revenue, 8.6%, is above the 7.2% median for credit unions with under $300M in assets.
$20K
Profinance 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Profinance Federal Credit Union · $15M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Profinance Federal Credit Union(this institution) | Merrillville, IN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acme Federal Credit Union | Eastlake, OH | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ampot Federal Credit Union | Hamilton, MS | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Blackhawk Federal Credit Union | Beaver Falls, PA | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Brockport Federal Credit Union | Brockport, NY | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cape Federal Credit Union | Clarksburg, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Cen Tex Manufacturing Federal Credit Union | Brownwood, TX | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Connecticut Labor Dept Federal Credit Union | Wethersfield, CT | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Dixie Line Federal Credit Union | Nashville, TN | $15M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Corners Federal Credit Union | Kirtland, NM | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Kinston Federal Credit Union | Kinston, NC | $14M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Greensboro Federal Credit Union | Greensboro, NC | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Harrison County Federal Credit Union | Nutter Fort, WV | $16M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| L.A. Healthcare Federal Credit Union | Los Angeles, CA | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Presidents Federal Credit Union | Cleves, OH | $15M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Puget Sound Refinery Federal Credit Union | Anacortes, WA | $16M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Town Federal Credit Union | Fort Smith, AR | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Romney Federal Credit Union | Romney, WV | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scott Associates Federal Credit Union | Marysville, OH | $15M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Spojnia Federal Credit Union | Scranton, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tulane/Loyola Federal Credit Union | New Orleans, LA | $15M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| United Association Federal Credit Union | Concord, CA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Vermilion Employees Federal Credit Union | Abbeville, LA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Virginia United Methodist Federal Credit Union | North Chesterfield, VA | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Wilmington Police & Fire Federal Credit Union | Wilmington, DE | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Winslow Santa Fe Federal Credit Union | Winslow, AZ | $15M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(domestic wire)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $25, against a peer median of $21.25 among 8 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 Oct 30, 2026.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Profinance 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 | $20K | +$5K | +33.3% |
| Q1 2026 | $15K | −$2K | −11.8% |
| Q4 2025 | $17K | $0 | 0.0% |
| Q3 2025 | $17K | −$1K | −5.6% |
| Q2 2025 | $18K | +$1K | +5.9% |
| Q1 2025 | $17K | −$3K | −15.0% |
| Q4 2024 | $20K | +$2K | +11.1% |
| Q3 2024 | $18K | +$4K | +28.6% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Profinance 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 Profinance Federal Credit Union by share.
Amounts from Profinance Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per month
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| 120 daysof inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation fee | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research fee | $22Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Statement fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft fee | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| NSF Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Card fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire fee Outgoing | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire fee Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Check fee | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order fee | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter checks | No chargeBelow the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH/NSF Return fee | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Levy fee | $10Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Other Fees | |||
| Document Copies | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Fax fee | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy fee | $5Not compared: Monthly charge, not per item | per month | None |
Oct 31, 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 Profinance Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Merrillville, IN | 1 |
Largest competitors nearby
Local market: Lake county, IN, around its headquarters.
| 30 in its local market | Deposit share |
|---|---|
| Centier Bank | 34.9% |
| JPMorgan Chase Bank, National Association | 18.4% |
| Old National Bank | 8.7% |
| First Merchants Bank | 6.6% |
| Peoples Bank | 6.6% |
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.