Star Usa Federal Credit Union

Headquarters: Charleston, West Virginia
Charter: Credit Union
Assets: $153.0M
Fed district: Richmond
Regulator: NCUA

25 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 1, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 1, 2026

How these figures are measured

Call-report figures are for Star Usa 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Star Usa 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

Details

Source: NCUA 5300 call report
Entity: Star Usa Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $117K in Q2 2026, 5.6% below the same quarter a year earlier ($124K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Star Usa Federal Credit Union: $35
Star Usa Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Star Usa Federal Credit Union: $35
Star Usa Federal Credit Union: $35
U.S. median: no median
Wire Transfer (Domestic Out)
Star Usa Federal Credit Union: $30
Star Usa Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 1, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 11% from Q3 2025 to Q2 2026, to $117K.

Fee income, Q2 2026

$117K

$132KQ3 2025

$131KQ4 2025

$128KQ1 2026

$117KQ2 2026

Against the median

Star Usa Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Star USA Federal Credit Union · $153M 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.

Credit unions only
$149M to $156M in assets
Headquartered in 15 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Star USA Federal Credit Union(this institution)	Charleston, WV	$153M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
4U Federal Credit Union	Gainesville, TX	$156M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Affinity Federal Credit Union	Des Moines, IA	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arapahoe Federal Credit Union	Littleton, CO	$154M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Arc Federal Credit Union	Altoona, PA	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Best Financial Federal Credit Union	Muskegon, MI	$154M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Citymark Federal Credit Union	Plains, PA	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Consumers Professional Federal Credit Union	Lansing, MI	$150M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Fidelis Catholic Federal Credit Union	Arvada, CO	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Builders Federal Credit Union	Kokomo, IN	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Family Federal Credit Union	Henryetta, OK	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Great Erie Federal Credit Union	Orchard Park, NY	$150M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Country Federal Credit Union	Sand Springs, OK	$155M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Green Mountain Federal Credit Union	South Burlington, VT	$152M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Horizon Federal Credit Union	Williamsport, PA	$152M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jm Associates Federal Credit Union	Jacksonville, FL	$151M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Kerr County Federal Credit Union	Kerrville, TX	$156M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mountaincrest Federal Credit Union	Arlington, WA	$153M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Natco Federal Credit Union	Richmond, IN	$154M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Nova Ua Federal Credit Union	Clifton, NJ	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Power Federal Credit Union	Pueblo, CO	$156M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
R G Federal Credit Union	Raymore, MO	$154M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Town Of Hempstead Employees Federal Credit Union	North Baldwin, NY	$149M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Trailhead Federal Credit Union	Portland, OR	$156M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Trius Federal Credit Union	Kearney, NE	$152M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Ukrainian National Federal Credit Union	New York, NY	$155M	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 · 9 publish this fee(monthly maintenance)

16 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Star USA Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $3 among 9 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

Star USA Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Star USA Federal Credit U…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Star Usa Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $117K
vs prior quarter: −$11K−8.6%; from Q1 2026
vs a year earlier: −$7K−5.6%; from Q2 2025
vs start of range: −$41K−25.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Star Usa Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$117K	−$11K	−8.6%
Q1 2026	$128K	−$3K	−2.3%
Q4 2025	$131K	−$1K	−0.8%
Q3 2025	$132K	+$8K	+6.5%
Q2 2025	$124K	−$17K	−12.1%
Q1 2025	$141K	−$19K	−11.9%
Q4 2024	$160K	+$2K	+1.3%
Q3 2024	$158K	+$6K	+3.9%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Star Usa Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Inactive Account Fee - Checking$5
per month
Inactive Account Fee - Shares$5
per month
Account Balancing Fee$20
Account Research Fee$50
Not compared: Charged per hour; comparison unavailable
per hour · Account Research Fee | $50.00 | Per Hour
Paper Statement Fee$1
Excessive Withdrawal Fee$7
Undeliverable Mail - Bad Address$5
Not compared: Charged per statement; comparison unavailable
per statement · Undeliverable Mail - Bad Address | $5.00 | Per Statement

Overdraft & NSF

ACH Courtesy Pay Fee$35
Debit Card Courtesy Pay Fee$35
Share Draft Courtesy Pay Fee$35
Star Online - Bill Pymt Overdraft$35
ACH NSF Fee$35
Debit Card NSF Fee$35
Share Draft NSF Fee$35
Debit Card Overdraft Protection XFR Fee$7
Share Draft Overdraft Protection XFR Fee$7

ATM & Card

Debit Card Replacement Fee$10
Debit Card Rush Fee$55
per item

Wire Transfers

Wire Fee - Outgoing$30
Wire Fee - Incoming$20

Check Services

Cashier's Check Fee$5
Money Orders$2.50
ACH Stop Payment Fee$30
Share Draft Stop Payment Fee$35
per item
Counter Checks$2
Not compared: Charged per page; comparison unavailable
per page · Counter Checks | $2.00 | Per Page
Check Cashing Fee$3.50
Check Cashing Fee$5
Non-Member Check Cashing Fee$25
Non-Member On-Us Check Cashing Fee$10
Check Copy Fee$5
per item

Digital & Electronic

ACH Origination Fee$5
Mobile Check Deposit - Return Fee$35

Cash & Deposit

Coinstar5%

Account Services

Notary Fee - Non-Member$5
Safety Deposit Box - Key Replacement$35
Not compared: Box drilling or key fee
Safety Deposit Box - Re-drilled$125
Not compared: Box drilling or key fee
Safety Deposit Box Fee 10x10$95
Safety Deposit Box Fee 3x10$50
Safety Deposit Box Fee 5x10$65
Safety Deposit Box Fee 5x5$40
Legal Process$150
Account Verification Fee$25

Retirement & IRA

IRA Account Transfer Fee$50

Other Fees

Outgoing Faxes$2
Statement Copy Fee$5
Not compared: Charged per page; comparison unavailable
per page · Statement Copy Fee | $5.00 | Per Page
Skip-a-Pay$30

Fee	Amount	Basis	Note
Account Maintenance
Inactive Account Fee - Checking	$5	per month	None
Inactive Account Fee - Shares	$5	per month	None
Account Balancing Fee	$20	Not stated	None
Account Research Fee	$50Not compared: Charged per hour; comparison unavailable	per hour	Account Research Fee \| $50.00 \| Per Hour
Paper Statement Fee	$1	Not stated	None
Excessive Withdrawal Fee	$7	Not stated	None
Undeliverable Mail - Bad Address	$5Not compared: Charged per statement; comparison unavailable	per statement	Undeliverable Mail - Bad Address \| $5.00 \| Per Statement
Overdraft & NSF
ACH Courtesy Pay Fee	$35	Not stated	None
Debit Card Courtesy Pay Fee	$35	Not stated	None
Share Draft Courtesy Pay Fee	$35	Not stated	None
Star Online - Bill Pymt Overdraft	$35	Not stated	None
ACH NSF Fee	$35	Not stated	None
Debit Card NSF Fee	$35	Not stated	None
Share Draft NSF Fee	$35	Not stated	None
Debit Card Overdraft Protection XFR Fee	$7	Not stated	None
Share Draft Overdraft Protection XFR Fee	$7	Not stated	None
ATM & Card
Debit Card Replacement Fee	$10	Not stated	None
Debit Card Rush Fee	$55	per item	None
Wire Transfers
Wire Fee - Outgoing	$30	Not stated	None
Wire Fee - Incoming	$20	Not stated	None
Check Services
Cashier's Check Fee	$5	Not stated	None
Money Orders	$2.50	Not stated	None
ACH Stop Payment Fee	$30	Not stated	None
Share Draft Stop Payment Fee	$35	per item	None
Counter Checks	$2Not compared: Charged per page; comparison unavailable	per page	Counter Checks \| $2.00 \| Per Page
Check Cashing Fee	$3.50	Not stated	None
Check Cashing Fee	$5	Not stated	None
Non-Member Check Cashing Fee	$25	Not stated	None
Non-Member On-Us Check Cashing Fee	$10	Not stated	None
Check Copy Fee	$5	per item	None
Digital & Electronic
ACH Origination Fee	$5	Not stated	None
Mobile Check Deposit - Return Fee	$35	Not stated	None
Cash & Deposit
Coinstar	5%	Not stated	None
Account Services
Notary Fee - Non-Member	$5	Not stated	None
Safety Deposit Box - Key Replacement	$35Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box - Re-drilled	$125Not compared: Box drilling or key fee	Not stated	None
Safety Deposit Box Fee 10x10	$95	Not stated	None
Safety Deposit Box Fee 3x10	$50	Not stated	None
Safety Deposit Box Fee 5x10	$65	Not stated	None
Safety Deposit Box Fee 5x5	$40	Not stated	None
Legal Process	$150	Not stated	None
Account Verification Fee	$25	Not stated	None
Retirement & IRA
IRA Account Transfer Fee	$50	Not stated	None
Other Fees
Outgoing Faxes	$2	Not stated	None
Statement Copy Fee	$5Not compared: Charged per page; comparison unavailable	per page	Statement Copy Fee \| $5.00 \| Per Page
Skip-a-Pay	$30	Not stated	None

Correct a fee source

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.

Fee change alerts

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