Compared with Washington
11 of 20
compared fees are above the median.
5 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
48th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 20 compared; 5 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Peninsula Community 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 569 credit unions with $300M to $1B 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Peninsula Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 1, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (48th 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 $385K in Q2 2026, 3.5% above the same quarter a year earlier ($372K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 20 compared published fees sit above the Washington 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 Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
NSF / Returned Item
Compared at $29, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 1.0% from Q3 2025 to Q2 2026, to $385K. Its share of revenue, 7.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$385K
Peninsula Community 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Peninsula Community Federal Credit Union · $304M 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 |
|---|---|---|---|---|---|---|---|
| Peninsula Community Federal Credit Union(this institution) | Shelton, WA | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alive Federal Credit Union | Jacksonville, FL | $296M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bangor Federal Credit Union | Bangor, ME | $293M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bowater Employees Federal Credit Union | Calhoun, TN | $303M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cross Valley Federal Credit Union | Wilkes Barre, PA | $300M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holyoke Federal Credit Union | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Homebase Federal Credit Union | Prince George, VA | $298M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Intrepid Federal Credit Union | Helena, MT | $311M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Jetstream Federal Credit Union | Miami Lakes, FL | $307M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lookout Federal Credit Union | Pocatello, ID | $314M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Loyalty Federal Credit Union | Pensacola, FL | $300M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Members1St Community Federal Credit Union | Marshalltown, IA | $311M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Membersalliance Federal Credit Union | Rockford, IL | $304M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mtc Federal Credit Union | Greenville, SC | $303M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| New Horizons Federal Credit Union | Mobile, AL | $304M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northwest Plus Federal Credit Union | Everett, WA | $315M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oc Federal Credit Union | Garfield Hts, OH | $315M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Otis Federal Credit Union | Jay, ME | $300M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Santa Barbara Teachers Federal Credit Union | Santa Barbara, CA | $308M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Federal Credit Union | Mexico, MO | $302M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Communities Federal Credit Union | Mosinee, WI | $307M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Overdraft not published |
| Vapr Federal Credit Union | San Juan, PR | $316M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Zia Federal Credit Union | Los Alamos, NM | $308M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ 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
Its published price is $10, against a peer median of $6.75 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 Nov 2, 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 Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Peninsula Community 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 | $385K | +$19K | +5.2% |
| Q1 2026 | $366K | −$3K | −0.8% |
| Q4 2025 | $369K | −$20K | −5.1% |
| Q3 2025 | $389K | +$17K | +4.6% |
| Q2 2025 | $372K | +$4K | +1.1% |
| Q1 2025 | $368K | −$33K | −8.2% |
| Q4 2024 | $401K | +$13K | +3.4% |
| Q3 2024 | $388K | +$9K | +2.4% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Peninsula Community 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 Peninsula Community Federal Credit Union by share.
Amounts from Peninsula Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Service Monthly Service Charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Shares Plus (if average balance falls below $2,500) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| If your average daily balance is below $100.00 | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Shares Plus (if average balance falls below $2,500) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Early Account Closure (if closed within 90 days of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Service Early Account Closure (if closed within 90 days of opening) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Unclaimed Property Processing | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Checking Account Fee (inactive 6 months or more) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Service Inactive Account (dormant 12 months or more) monthly fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Service Inactive checking account fee (inactive 6 months or more) (balance less than $10) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation per hour (1/2 hour min.) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Research Fee (per hour – 1 hour min.) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Account Reconciliation per hour (1/2 hour min) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Account Reconciliation per hour (1/2 hour min): Fee legal | $35Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Research Fee per hour (1 hour minimum) | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Research Fee per hour (1 hour minimum): Fee legal | $50Not compared: Charged per hour; comparison unavailable | per hour | None |
| Service Invalid Address Account (monthly) | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft (per transaction greater than $5) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per transaction | None |
| Service Courtesy Pay Overdraft (per transaction greater than $5) | $28Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Service ATM Insufficient Funds (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Service Insufficient Funds (per returned transaction) | $28Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Automatic Overdraft Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| OD Protection Transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Service Replacement Debit or Credit Card (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Service International Service Assessment Fee – CREDIT (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| Service International Service Assessment Fee – DEBIT (audience not stated, treated as personal) | 2%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire (domestic) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer (Domestic Out) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Outgoing Wire (foreign) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Wire Transfer (Int'l Out) | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
| Incoming Wire (domestic/foreign) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Wire Transfer (Int'l In) | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Service Collection Items (per item Foreign & Domestic) | $18Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copies (free to E-Statement users) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Check Image/Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Sales Draft Copies | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Service Sales Draft Copies (audience not stated, treated as personal) | $6Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay & Zelle | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Bill Payment Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Counting (audience not stated, treated as personal) | 5% | Not stated | None |
| Service Coin Counting Fee | 5% | Not stated | None |
Account Services | |||
| Notary Service | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Service (per document) | $5Not compared: Charged per document; comparison unavailable | per document | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Size 10 x 10 (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 3 x 10 (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 3 x 5 (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 5 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 5 x 5 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 6 x 10 (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box Size 9 x 10 (audience not stated, treated as personal) | $80Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Garnishment, Levy Notice to Withhold (per notice) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Service Garnishment, Levy, Notice to Withhold (per notice) | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statements, tax forms, printouts | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Document Reproduction | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Document Reproduction | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Service Copy of statements, tax forms, printouts | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Nov 1, 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 Peninsula Community 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
| Belfair, WA | 1 |
| Port Orchard, WA | 1 |
| Port Townsend, WA | 1 |
| Poulsbo, WA | 1 |
| Shelton, WA | 1 |
Largest competitors nearby
Local market: Mason county, WA, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| KeyBank National Association | 33% |
| Heritage Bank | 30.6% |
| Columbia Bank | 22.6% |
| Olympia Federal Savings and Loan Association | 13.8% |
| Our Community Federal Credit Union | Credit union |
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.