Compared with West Virginia
6 of 12
compared fees are above the median.
5 below, 1 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
25th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 12 compared; 5 below, 1 about the same
See the feesFee schedule read Oct 11, 2026
Call-report figures are for Kemba Charleston 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 West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Kemba Charleston 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 3.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (25th 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 $17K in Q2 2026, about level with the same quarter a year earlier ($17K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 12 compared published fees sit above the West Virginia median; 5 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 West Virginia medians for fees published by banks and credit unions.
Debit Card Replacement
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 19% from Q3 2025 to Q2 2026, to $17K. Its share of revenue, 3.7%, is below the 7.2% median for credit unions with under $300M in assets.
$17K
Kemba Charleston 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.
Kemba Charleston Federal Credit Union · $45M 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 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Kemba Charleston Federal Credit Union(this institution) | Dunbar, WV | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Access Of Louisiana Federal Credit Union | Lake Charles, LA | $44M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| B.O.N.D. Community Federal Credit Union | Atlanta, GA | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Business And Industrial Federal Credit Union | Columbus, IN | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| California Adventist Federal Credit Union | Glendale, CA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Carpenters Federal Credit Union | Saint Paul, MN | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cherokee County Federal Credit Union | Rusk, TX | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Collegedale Federal Credit Union | Collegedale, TN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Eastern Indiana Federal Credit Union | New Castle, IN | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Edu Federal Credit Union | New Castle, DE | $44M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fire Fighters Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ft Randall Federal Credit Union | Wagner, SD | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Geismar Complex Federal Credit Union | Geismar, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Holy Rosary Federal Credit Union | Kansas City, MO | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lakeshore Federal Credit Union | Muskegon, MI | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Lakeside Federal Credit Union | New Johnsonville, TN | $45M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Les Federal Credit Union | Baton Rouge, LA | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Federal Credit Union | Stamford, CT | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Miami Federal Credit Union | Miami, FL | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northern New Mexico School Employee Federal Credit Union | Santa Fe, NM | $45M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| On The Grid Financial Federal Credit Union | Atlanta, GA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Police Credit Union of Connecticut | Hartford, CT | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Saint Francis Employees Federal Credit Union | Tulsa, OK | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sweet Home Federal Credit Union | Amherst, NY | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vantage Point Federal Credit Union | Hopewell, VA | $45M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wakota Federal Credit Union | South St Paul, MN | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(out-of-network atm)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 among 15 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Kemba Charleston Federal Credit Union does not publish an out-of-network atm 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 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Kemba Charleston 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 | $17K | −$1K | −5.6% |
| Q1 2026 | $18K | −$1K | −5.3% |
| Q4 2025 | $19K | −$2K | −9.5% |
| Q3 2025 | $21K | +$4K | +23.5% |
| Q2 2025 | $17K | +$1K | +6.3% |
| Q1 2025 | $16K | −$5K | −23.8% |
| Q4 2024 | $21K | −$2K | −8.7% |
| Q3 2024 | $23K | +$1K | +4.5% |
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, Kemba Charleston 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 Kemba Charleston Federal Credit Union by share.
Amounts from Kemba Charleston Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Early Closure Fee (Account closed within 6 months of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment fee | $100Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation fee | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research fee | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Return Mail fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| NSF fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Share Draft/Checking Overdraft Transfer fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Card Replacement fee | $20Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Wire Transfer fee | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Incoming Wire Transfer fee | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Official Check To Third Party | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment fee | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination fee | $2Below the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return fee | $30Above the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
Retirement & IRA | |||
| IRA Share Accounts Administration (waived after sixty (60) days) | $50Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Other Fees | |||
| Fax fees (personal) | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy fee | $2Not compared: Charged per page; comparison unavailable | per page | 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 Kemba Charleston 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
| Dunbar, WV | 1 |
Largest competitors nearby
Local market: Kanawha county, WV, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Truist Bank | 29.6% |
| United Bank | 20% |
| City National Bank of West Virginia | 14.4% |
| The Huntington National Bank | 10.5% |
| JPMorgan Chase Bank, National Association | 8.5% |
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.