Elements Financial Federal Credit Union

Headquarters: Indianapolis, Indiana
Charter: Credit Union
Assets: $2.5B
Fed district: Chicago
Regulator: NCUA

14 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for Elements 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	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.	Elements Financial Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Elements Financial Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $731K in Q2 2026, 13% above the same quarter a year earlier ($645K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $10, the middle of its prices
Elements Financial Federal Credit Union: $5 to $25
Elements Financial Federal Credit Union: $5 to $25
U.S. median: no median
Overdraft (OD)
Elements Financial Federal Credit Union: $25
Elements Financial Federal Credit Union: $25
U.S. median: no median
NSF / Returned Item
Elements Financial Federal Credit Union: $25
Elements Financial Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Indiana: Banks and credit unions headquartered in Indiana that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 4.4% from Q3 2025 to Q2 2026, to $731K.

Fee income, Q2 2026

$731K

$700KQ3 2025

$845KQ4 2025

$653KQ1 2026

$731KQ2 2026

Against the median

Elements Financial Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Elements Financial Federal Credit Union · $2.5B 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 15 states.

Credit unions only
$2.4B to $2.6B in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Elements Financial Federal Credit Union(this institution)	Indianapolis, IN	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
A+ Federal Credit Union	Austin, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Advancial Federal Credit Union	Dallas, TX	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Allegacy Federal Credit Union	Winston Salem, NC	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Altura Federal Credit Union	Riverside, CA	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Atlanta Postal Federal Credit Union	Atlanta, GA	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Austin Telco Federal Credit Union	Austin, TX	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Barksdale Federal Credit Union	Barksdale Afb, LA	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Brightbridge Federal Credit Union	Lawrence, MA	$2.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centra Federal Credit Union	Columbus, IN	$2.4B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Credit Union of Colorado, A	Denver, CO	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Credit Union of Texas	Allen, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dort Financial Federal Credit Union	Grand Blanc, MI	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dow Federal Credit Union	Midland, MI	$2.6B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Elga Federal Credit Union	Grand Blanc, MI	$2.5B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Firefighters First Federal Credit Union	Los Angeles, CA	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Georgia United Federal Credit Union	Duluth, GA	$2.5B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hughes Federal Credit Union	Tucson, AZ	$2.6B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ithink Financial Federal Credit Union	Boca Raton, FL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Jsc Federal Credit Union	Houston, TX	$2.6B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Kemba Financial Federal Credit Union	Gahanna, OH	$2.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Kitsap Federal Credit Union	Bremerton, WA	$2.5B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Max Federal Credit Union	Montgomery, AL	$2.4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
South Carolina Federal Credit Union	North Charleston, SC	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Texans Federal Credit Union	Richardson, TX	$2.6B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Workers Federal Credit Union	Littleton, MA	$2.5B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 15 publish this fee(monthly maintenance)

10 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.50 (54%) above the median of similar-sized credit unions.

Compared at $10, the middle of its three prices, against a peer median of $6.50 among 15 publishing peers.

Its three checking prices are $5, $10 and $25.

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 29, 2026.

Monthly maintenance fee in dollars, one mark per institution

Elements Financial Federa…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer medianInclude $25 outlierShown past the axis break, not to scale, so the rest of the set has room.

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 Oct 29, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Elements Financial Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $731K
vs prior quarter: +$78K+11.9%; from Q1 2026
vs a year earlier: +$86K+13.3%; from Q2 2025
vs start of range: +$33K+4.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Elements Financial Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$731K	+$78K	+11.9%
Q1 2026	$653K	−$192K	−22.7%
Q4 2025	$845K	+$145K	+20.7%
Q3 2025	$700K	+$55K	+8.5%
Q2 2025	$645K	−$5K	−0.8%
Q1 2025	$650K	−$52K	−7.4%
Q4 2024	$702K	+$4K	+0.6%
Q3 2024	$698K	+$56K	+8.7%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Elements Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Maintenance Service Charge$25
per month
Maintenance Service Charge$10
per month
Without the above criteria - Maintenance Service Charge$5
per month
Inactivity Fee$5
per month
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour
All Checking and Savings Accounts EXCEPT Grow Account, Student Edge, IRA Savings: Account Reconciliation$25
Not compared: CD/IRA fee

Overdraft & NSF

Insufficient Funds Charge (Paid) fee$25
per item
Insufficient Funds Charge (Returned) Fee$25
per item

ATM & Card

Debit Card Replacement Fee$5
per item
Debit Card Rush Fee$50
Debit Card International transaction fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Check Printing: Domestic Wire Wth Fee (Domestic outgoing)$25
per item
International Wire Withdrawal (International outgoing)$50
per item

Check Services

Cashier’s Check (no minimum amount) Shared Branch CU member$5
Not compared: Monthly charge, not per item
per month
For Members 25 and older, assessed if checking and savings accounts have had no activity for at: Stop Payment Fee$32
per item
Check Copy Fee$5
per item

Digital & Electronic

ACH Origination$30
Not compared: Monthly charge, not per item
per month
2nd Business Day Bill Pay for Non-Electronic Merchants$29.95
per month
Bill Pay Fees$10
per month
Next Day Bill Pay for Non-Electronic Merchants$34.95
Not compared: Per-item charge, not monthly
per item

Account Services

Court Hold/Levy$25
per item
Verification of Deposit$10
per item

Other Fees

Extended Overdraft Privilege: Statement Copy Fee$5
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance Service Charge	$25	per month	None
Maintenance Service Charge	$10	per month	None
Without the above criteria - Maintenance Service Charge	$5	per month	None
Inactivity Fee	$5	per month	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	None
All Checking and Savings Accounts EXCEPT Grow Account, Student Edge, IRA Savings: Account Reconciliation	$25Not compared: CD/IRA fee	Not stated	None
Overdraft & NSF
Insufficient Funds Charge (Paid) fee	$25	per item	None
Insufficient Funds Charge (Returned) Fee	$25	per item	None
ATM & Card
Debit Card Replacement Fee	$5	per item	None
Debit Card Rush Fee	$50	Not stated	None
Debit Card International transaction fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Check Printing: Domestic Wire Wth Fee (Domestic outgoing)	$25	per item	None
International Wire Withdrawal (International outgoing)	$50	per item	None
Check Services
Cashier’s Check (no minimum amount) Shared Branch CU member	$5Not compared: Monthly charge, not per item	per month	None
For Members 25 and older, assessed if checking and savings accounts have had no activity for at: Stop Payment Fee	$32	per item	None
Check Copy Fee	$5	per item	None
Digital & Electronic
ACH Origination	$30Not compared: Monthly charge, not per item	per month	None
2nd Business Day Bill Pay for Non-Electronic Merchants	$29.95	per month	None
Bill Pay Fees	$10	per month	None
Next Day Bill Pay for Non-Electronic Merchants	$34.95Not compared: Per-item charge, not monthly	per item	None
Account Services
Court Hold/Levy	$25	per item	None
Verification of Deposit	$10	per item	None
Other Fees
Extended Overdraft Privilege: Statement Copy Fee	$5	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 5, 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.

Fee change alerts

Get an email when Elements Financial Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.