Compared with Indiana
2 of 13
compared fees are above the median.
7 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
72nd percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 13 compared; 7 below, 4 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for Centra 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. | Centra 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 8.5% of revenue, above the 6.6% median of 452 credit unions with $1B to $10B in assets (72nd 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 $3.5M in Q2 2026, 8.5% above the same quarter a year earlier ($3.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 13 compared published fees sit above the Indiana median; 7 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
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Indiana, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.5% from Q3 2025 to Q2 2026, to $3.5M. Its share of revenue, 8.5%, is above the 6.6% median for credit unions with $1B to $10B in assets.
$3.5M
Centra 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.
Centra Federal Credit Union · $2.4B 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Centra Federal Credit Union(this institution) | Columbus, IN | $2.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| 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 |
| Blue Federal Credit Union | Cheyenne, WY | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | 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 |
| 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 |
| Elements Financial Federal Credit Union | Indianapolis, IN | $2.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Empeople Federal Credit Union | Moline, IL | $2.3B | Monthly maintenance not published | Out-of-network ATM not published | 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 |
| Franklin Mint Federal Credit Union | Chadds Ford, PA | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | 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 |
| Hanscom Federal Credit Union | Hanscom AFB, MA | $2.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| I. H. Mississippi Valley Federal Credit Union | Moline, IL | $2.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Iq Federal Credit Union | Vancouver, WA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 |
| Jeanne D'Arc Federal Credit Union | Lowell, MA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| 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 |
| Lbs Financial Federal Credit Union | Long Beach, CA | $2.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lighthouse Federal Credit Union | Dover, NH | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | 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 |
| Westconsin Federal Credit Union | Menomonie, WI | $2.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.12 among 14 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 29, 2026.
Monthly maintenance fee in dollars, one mark per institution
Centra 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 29, 2026. Total assets from FDIC and NCUA records.
Call reports for Centra 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 | $3.5M | +$21K | +0.6% |
| Q1 2026 | $3.4M | −$125K | −3.5% |
| Q4 2025 | $3.6M | +$222K | +6.7% |
| Q3 2025 | $3.3M | +$153K | +4.8% |
| Q2 2025 | $3.2M | +$237K | +8.0% |
| Q1 2025 | $2.9M | −$384K | −11.5% |
| Q4 2024 | $3.3M | +$106K | +3.3% |
| Q3 2024 | $3.2M | +$247K | +8.3% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Centra 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 Centra Federal Credit Union by share.
Amounts from Centra Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per half hour · Account Research/Assistance (first 30 minutes free) | $15.00/30 minutes
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive/Dormant Checking Account (balances less than $100 after 12 months of inactivity; under 18 excluded) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Assistance (first 30 minutes free) | $15Not compared: Charged per half hour; comparison unavailable | per half hour | Account Research/Assistance (first 30 minutes free) | $15.00/30 minutes |
ATM & Card | |||
| Foreign ATM Transaction (first 4 per month are free) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost Card Replacement (ATM, Debit or Credit) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Order | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Outgoing Wire Transfer | $85Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (Check or ACH) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter checks (first 8 are free) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Account Services | |||
| 10x10 Safe Deposit Box | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10 Safe Deposit Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5 Safe Deposit Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10 Safe Deposit Box | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x5 Safe Deposit Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Attachment or Garnishment | $25Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per half hour · Account Research/Assistance (first 30 minutes free) | $15.00/30 minutes
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closing | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive/Dormant Checking Account (balances less than $100 after 12 months of inactivity; under 18 excluded) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research/Assistance (first 30 minutes free) | $15Not compared: Charged per half hour; comparison unavailable | per half hour | Account Research/Assistance (first 30 minutes free) | $15.00/30 minutes |
| Bad Address - per each primary statement account (Membership, Opportunity, & Business Savings) | $5 | per month | None |
ATM & Card | |||
| Foreign ATM Transaction (first 4 per month are free) | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Lost Card Replacement (ATM, Debit or Credit) | $3Below the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Rush Card Order | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Outgoing Wire Transfer | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| International Outgoing Wire Transfer | $85Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment (Check or ACH) | $15Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter checks (first 8 are free) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Account Services | |||
| 10x10 Safe Deposit Box | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x10 Safe Deposit Box | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 3x5 Safe Deposit Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x10 Safe Deposit Box | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| 5x5 Safe Deposit Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Legal Attachment or Garnishment | $25Below the U.S. middle 50% ($30 to $85 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 Centra Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
29 offices in 3 states (June 30, 2026)
Each dot is one office.
7 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Columbus, IN | 5 |
| Indianapolis, IN | 2 |
| Jeffersonville, IN | 2 |
| New Albany, IN | 2 |
| Scottsburg, IN | 2 |
| Carmel, IN | 1 |
| Charlestown, IN | 1 |
| Clarksville, IN | 1 |
Largest competitors nearby
Local market: Bartholomew county, IN, around its headquarters.
| 11 in its local market | Deposit share |
|---|---|
| First Financial Bank | 51.1% |
| German American Bank | 12.1% |
| Old National Bank | 11.3% |
| Jackson County Bank | 8% |
| PNC Bank, National Association | 5.9% |
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.