Compared with Hawaii
4 of 16
compared fees are above the median.
5 below, 7 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
50th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Hawaii median
of 16 compared; 5 below, 7 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Hfs 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 Hawaii median | Published fees above the Hawaii median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Hfs Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.6% of revenue, about the same as the 6.6% median of 452 credit unions with $1B to $10B in assets (50th percentile). About the same: within 1% of the median.
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $966K in Q2 2026, 17% above the same quarter a year earlier ($828K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 16 compared published fees sit above the Hawaii 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 Hawaii medians for fees published by banks and credit unions.
Wire Transfer (Domestic In)
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.4% from Q3 2025 to Q2 2026, to $966K. Its share of revenue, 6.6%, is about the same as the 6.6% median for credit unions with $1B to $10B in assets.
$966K
Hfs 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.
Hfs Federal Credit Union · $1.1B 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Hfs Federal Credit Union(this institution) | Hilo, HI | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 1St Advantage Federal Credit Union | Newport News, VA | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Abbott Laboratories Federal Credit Union | Gurnee, IL | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Alliance Federal Credit Union | Lubbock, TX | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Atlantic Regional Federal Credit Union | South Portland, ME | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Blupeak Federal Credit Union | San Diego, CA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Community 1St Federal Credit Union | Ottumwa, IA | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connex Federal Credit Union | North Haven, CT | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Security Federal Credit Union | Decatur, AL | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Source Federal Credit Union | New Hartford, NY | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fivepoint Federal Credit Union | Nederland, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaiian Financial Federal Credit Union | Honolulu, HI | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kirtland Federal Credit Union | Albuquerque, NM | $1.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lafcu Federal Credit Union | Lansing, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Marine Federal Credit Union | La Crosse, WI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Michigan Educational Federal Credit Union | Plymouth, MI | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Federal Credit Union | Dallas, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Country Federal Credit Union | Burlington, VT | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Peach State Federal Credit Union | Lawrenceville, GA | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point Breeze Federal Credit Union | Hunt Valley, MD | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Radiant Federal Credit Union | Gainesville, FL | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Raiz Federal Credit Union | El Paso, TX | $1.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Topline Financial Federal Credit Union | Maple Grove, MN | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Utah Power Federal Credit Union | Murray, UT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Velocity Federal Credit Union | Austin, TX | $1.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vermont Federal Credit Union | So Burlington, VT | $1.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $7.50 among 11 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Hfs 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Hfs 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 | $966K | +$42K | +4.5% |
| Q1 2026 | $924K | −$27K | −2.8% |
| Q4 2025 | $951K | +$17K | +1.8% |
| Q3 2025 | $934K | +$106K | +12.8% |
| Q2 2025 | $828K | −$20K | −2.4% |
| Q1 2025 | $848K | −$49K | −5.5% |
| Q4 2024 | $897K | +$45K | +5.3% |
| Q3 2024 | $852K | +$98K | +13.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Hfs 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 Hfs Federal Credit Union by share.
Amounts from Hfs Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation (Free for current month or initial request) | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Account Research (1 hour minimum) | $25Inside the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Fee Description Returned Check or Item: Fee Amount | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Non-Sufficient Funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| Replacement Card | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Shipping of Card | $80Above the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction Fee without currency conversion | No chargeInside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Fees: Outgoing (Domestic) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer Fees: Incoming (Bank of Hawaii) | $12Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Money Order | $1Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop payment requests may be done in-branch or by speaking with a Call Center Specialist by calling 930-1400. The fee fo | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payer (Service provided by the Credit Union) | $2.50Not compared: Per-item charge, not monthly | per item | None |
| Bill Payment ( Online consumer service provided through iPay) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Machine Members | No chargeInside the U.S. middle 50% ($0 to $2.54 nationally) | Not stated | None |
Account Services | |||
| Notary Members | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Lock Replacement (No key available, cost to drill) | $130Not compared: Box drilling or key fee | Not stated | None |
| Rental Size: 10”x10”x24” | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental Size: 3”x10”x24” | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental Size: 5”x10”x24” | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental Size: 5”x5”x24” | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Rental Size: 7”x10”x24” | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Legal Notice Processing (Garnishment, levy, subpoena, etc.) | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Account | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopy | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 30, 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 Hfs Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
6 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Hilo, HI | 2 |
| Honokaa, HI | 1 |
| Kailua Kona, HI | 1 |
| Kamuela, HI | 1 |
| Keaau, HI | 1 |
Largest competitors nearby
Local market: Hawaii county, HI, around its headquarters.
| 14 in its local market | Deposit share |
|---|---|
| Bank of Hawaii | 43.1% |
| First Hawaiian Bank | 25.5% |
| Central Pacific Bank | 9.6% |
| Bank of Hope | 9.1% |
| American Savings Bank, National Association | 9.1% |
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.