Compared with Indiana
7 of 14
compared fees are above the median.
3 below, 4 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
4th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 14 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 5, 2026
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) 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. | 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
Fee income was 1.8% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (4th 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 $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.
7 of 14 compared published fees sit above the Indiana median; 3 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.
Monthly Maintenance
Compared at $10, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 4.4% from Q3 2025 to Q2 2026, to $731K. Its share of revenue, 1.8%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$731K
Elements Financial 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. *Monthly maintenance: Listed at $5 to $25; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Elements 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 | $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% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Elements 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 Elements Financial Federal Credit Union by share.
Amounts from Elements Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per hour
per item
per month
per item
per item
per month
per month
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance Service Charge | $25Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance Service Charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Without the above criteria - Maintenance Service Charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | 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 | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Insufficient Funds Charge (Returned) Fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Debit Card Rush Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | 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) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Withdrawal (International outgoing) | $50Inside the U.S. middle 50% ($40 to $50 nationally) | 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 | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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 | $29.95Above the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Bill Pay Fees | $10Above the U.S. middle 50% ($0 to $6 nationally) | 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 | $25Below the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Extended Overdraft Privilege: Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Elements Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Indianapolis, IN | 5 |
Largest competitors nearby
Local market: Marion and Hamilton counties, IN, around its headquarters.
| 52 in its local market | Deposit share |
|---|---|
| Merchants Bank of Indiana | 18.5% |
| JPMorgan Chase Bank, National Association | 18% |
| PNC Bank, National Association | 13% |
| Fifth Third Bank, National Association | 6.7% |
| The Huntington National Bank | 6.7% |
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.