Compared with Indiana
6 of 18
compared fees are above the median.
8 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
79th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 18 compared; 8 below, 4 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Independent 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. | Independent Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 11, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 12% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (79th 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 $174K in Q2 2026, 52% below the same quarter a year earlier ($366K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 18 compared published fees sit above the Indiana median; 8 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)
Non-Network ATM
Stop Payment
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 fell 55% from Q3 2025 to Q2 2026, to $174K. Its share of revenue, 12%, is above the 7.2% median for credit unions with under $300M in assets.
$174K
Independent 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.
Independent Federal Credit Union · $94M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Independent Federal Credit Union(this institution) | Anderson, IN | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Baycel Federal Credit Union | Bay City, TX | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chicago Firefighter'S Federal Credit Union | Chicago, IL | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Christian Family Federal Credit Union | North Canton, OH | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Coastal Community Federal Credit Union | Galveston, TX | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Dakota Plains Federal Credit Union | Edgeley, ND | $93M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Daniels-Sheridan Federal Credit Union | Scobey, MT | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Family Advantage Federal Credit Union | Spring Hill, TN | $93M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ferguson Federal Credit Union | Monticello, MS | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Choice Federal Credit Union | New Castle, PA | $95M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Formation Federal Credit Union | Baton Rouge, LA | $93M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Freedom United Federal Credit Union | Rochester, PA | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Irco Community Federal Credit Union | Phillipsburg, NJ | $94M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mckesson & Healthcare Providers Federal Credit Union | Martinez, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Choice Wv Federal Credit Union | Charleston, WV | $94M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Source Federal Credit Union | Merrillville, IN | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Northwoods Community Federal Credit Union | Park Falls, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal & Community Federal Credit Union | Saint Joseph, MO | $95M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Progressions Federal Credit Union | Spokane, WA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sheboygan Area Federal Credit Union | Sheboygan, WI | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Torrington Municipal And Teachers Federal Credit Union | Torrington, CT | $94M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transit Employees Federal Credit Union | Greenbelt, MD | $93M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Traverse Catholic Federal Credit Union | Traverse City, MI | $92M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Upward Federal Credit Union | Burlingame, CA | $93M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Vision One Federal Credit Union | Sacramento, CA | $92M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Welcome Federal Credit Union | Morrisville, NC | $92M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $8.13 among 10 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 27, 2026.
Monthly maintenance fee in dollars, one mark per institution
Independent Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for Independent 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 | $174K | −$3K | −1.7% |
| Q1 2026 | $177K | −$8K | −4.3% |
| Q4 2025 | $185K | −$205K | −52.6% |
| Q3 2025 | $390K | +$24K | +6.6% |
| Q2 2025 | $366K | +$183K | +100.0% |
| Q1 2025 | $183K | −$15K | −7.6% |
| Q4 2024 | $198K | +$1K | +0.5% |
| Q3 2024 | $197K | +$9K | +4.8% |
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, Independent 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 Independent Federal Credit Union by share.
Amounts from Independent 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
per hour
per month
per item
per item
per page
per item
per item
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure Fee | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Attorney Research Fee | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay/Overdraft Items | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft Privilege/Courtesy Pay Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft Protection Transfer | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per transaction | None |
ATM & Card | |||
| ATM Foreign Machine | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Instant Issue Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Official Checks and Money Orders | $5Above the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH Revoke/Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment [Add or Remove] | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks - 4 per page | $2Not compared: Charged per page; comparison unavailable | per page | None |
| Collection Fee/Negative Accounts | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $4Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| NSF Checks/ACH/Return Items | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online BillPay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary | $2Inside the U.S. middle 50% ($0 to $5 nationally) | per transaction | None |
| Levies, Carnishments | $20Below the U.S. middle 50% ($30 to $85.63 nationally) | per item | None |
| Verification of Deposit | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Copy of Statement on Letterhead | $5Not compared: Monthly charge, not per item | per month | None |
Oct 11, 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 Independent 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
| Anderson, IN | 1 |
Largest competitors nearby
Local market: Madison county, IN, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First Merchants Bank | 29.7% |
| PNC Bank, National Association | 23.7% |
| STAR Financial Bank | 21.8% |
| Old National Bank | 6.8% |
| KeyBank National Association | 6.4% |
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.