Four fees from its schedule are published so far: non-network ATM $1, cashier's check $3, excess withdrawals $10 and gift & prepaid card $5.
Source: its fee schedule, read Oct 31, 2026.
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
35th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 31, 2026
Call-report figures are for Crossroads Financial 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 U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Crossroads Financial 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 5.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (35th 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 $83K in Q2 2026, 11% above the same quarter a year earlier ($75K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 4 compared published fees sit above the Indiana median; 2 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.
Non-Network ATM
Cashier's Check
Excess Withdrawals
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.
Call reports for Crossroads Financial 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 | $83K | +$9K | +12.2% |
| Q1 2026 | $74K | +$3K | +4.2% |
| Q4 2025 | $71K | −$8K | −10.1% |
| Q3 2025 | $79K | +$4K | +5.3% |
| Q2 2025 | $75K | +$17K | +29.3% |
| Q1 2025 | $58K | −$11K | −15.9% |
| Q4 2024 | $69K | −$7K | −9.2% |
| Q3 2024 | $76K | −$5K | −6.2% |
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, Crossroads Financial 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 Crossroads Financial Federal Credit Union by share.
Amounts from Crossroads Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Excess Withdrawal Fee (after 3 per month) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
ATM & Card | |||
| Transactions at other ATM’s | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | 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 Crossroads Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Dunkirk, IN | 1 |
| Portland, IN | 1 |
| Winchester, IN | 1 |
Largest competitors nearby
Local market: Jay county, IN, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| First Merchants Bank | 37.8% |
| First Bank of Berne | 32.5% |
| First Financial Bank | 16% |
| The Farmers & Merchants State Bank | 8.5% |
| The Farmers State Bank | 5.1% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows