Compared with Pennsylvania
13 of 22
compared fees are above the median.
3 below, 6 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
37th percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 22 compared; 3 below, 6 about the same
See the feesFee schedule read Oct 21, 2026
Call-report figures are for Citadel 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Citadel Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 21, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.7% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (37th 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 $6.0M in Q2 2026, 15% above the same quarter a year earlier ($5.2M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 22 compared published fees sit above the Pennsylvania median; 3 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 Pennsylvania medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $12.50, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 10% from Q3 2025 to Q2 2026, to $6.0M. Its share of revenue, 5.7%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$6.0M
Citadel 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. *Non-network ATM: Listed at $2 to $10; we compare the midpoint. Monthly maintenance: Listed at $10 to $15; we compare the midpoint.
Citadel Federal Credit Union · $6.9B 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Citadel Federal Credit Union(this institution) | Exton, PA | $6.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Apple Federal Credit Union | Fairfax, VA | $5.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bank Fund Staff Federal Credit Union | Washington, DC | $7.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Coastal Federal Credit Union | Raleigh, NC | $6.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Appleton, WI | $6.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dfcu Financial Federal Credit Union | Dearborn, MI | $8B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Educational Employees Federal Credit Union | Fresno, CA | $5.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Everwise Federal Credit Union | South Bend, IN | $5.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Genisys Federal Credit Union | Auburn Hills, MI | $6.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kinecta Federal Credit Union | Manhattan Beach, CA | $6.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Landmark Federal Credit Union | Brookfield, WI | $7.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Langley Federal Credit Union | Newport News, VA | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mission Federal Credit Union | San Diego, CA | $7.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Nasa Federal Credit Union | Upper Marlboro, MD | $5.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Royal Federal Credit Union | Eau Claire, WI | $5.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Service Federal Credit Union | Portsmouth, NH | $6.7B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spokane Teachers Federal Credit Union | Liberty Lake, WA | $6.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| State Employees Credit Union of Maryland | Linthicum, MD | $5.8B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| State Farm Federal Credit Union | Bloomington, IL | $5.7B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Tinker Federal Credit Union | Oklahoma City, OK | $6.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Travis Federal Credit Union | Vacaville, CA | $5.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Truliant Federal Credit Union | Winston Salem, NC | $5.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trustone Financial Federal Credit Union | Plymouth, MN | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Wisconsin Federal Credit Union | Madison, WI | $6.7B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Virginia Federal Credit Union | Richmond, VA | $7.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wescom Central Federal Credit Union | Pasadena, CA | $6.6B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $12.50, the middle of its two prices, against a peer median of $8 among 15 publishing peers.
Its two checking prices are $10 and $15.
$12.50 is a comparison price, not a fee anyone is charged.
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 31, 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Citadel 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 | $6.0M | +$591K | +10.9% |
| Q1 2026 | $5.4M | −$366K | −6.3% |
| Q4 2025 | $5.8M | +$338K | +6.2% |
| Q3 2025 | $5.5M | +$218K | +4.2% |
| Q2 2025 | $5.2M | +$312K | +6.3% |
| Q1 2025 | $4.9M | −$708K | −12.6% |
| Q4 2024 | $5.6M | +$191K | +3.5% |
| Q3 2024 | $5.4M | +$356K | +7.0% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Citadel 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 Citadel Federal Credit Union by share.
Amounts from Citadel Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per item
per item
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance (audience not stated, treated as personal) | $15Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly Maintenance (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Account Closure (audience not stated, treated as personal) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Service fee to close account within 90 days of opening | $33Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactivity Fee - Charged monthly to each savings, checking, and money market account if no activity on any Citadel account for one year | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly inactivity fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research Fee (includes account reconciliation) | $50Above the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Paper account statement fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Paper statement fee | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay overdraft fee | $33Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-sufficient funds (NSF) fee | $33Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| OD Protection Transfer (audience not stated, treated as personal) | $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) | Not stated | None |
ATM & Card | |||
| Based on 1 free non-Citadel ATM withdrawals | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Citadel Debit/ATM Card (audience not stated, treated as personal) | $10Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Each ATM withdrawal at non-Citadel ATMs | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Each balance inquiry at non-Citadel ATMs | $3Above the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Non-Citadel ATM withdrawal | $3Above the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited debit/ATM card replacement (audience not stated, treated as personal) | $30Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign transaction fee (audience not stated, treated as personal) | 1.1%of the transaction | Not stated | None |
| Foreign transaction fee | 1.1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Domestic In) (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer (Int'l In) (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
Check Services | |||
| Check Disbursed Fee - for each Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop payment fee | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Non-member check cashing fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Deposits (audience not stated, treated as personal) | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Varies – All other foreign check deposits (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Charge for copy of deposited item | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Monthly fee with ACH origination (audience not stated, treated as personal) | $15Not compared: Monthly charge, not per item | per month | None |
| One-time ACH origination setup fee (audience not stated, treated as personal) | $30Above the U.S. middle 50% ($5 to $15 nationally) | one time | None |
Cash & Deposit | |||
| Deposited Item Return (audience not stated, treated as personal) | $40Above the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Returned item fee for Canadian checks (audience not stated, treated as personal) | $15Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Home equity loan/line of credit subordination fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Legal Process Fee | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Home equity line of credit early termination fee | $250Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Withdrawal fee for each withdrawal or transfer (three free per calendar quarter) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per transaction | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 21, 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 Citadel Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
28 offices in 1 state (June 30, 2026)
Each dot is one office.
4 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Chester Springs, PA | 2 |
| Lancaster, PA | 2 |
| Philadelphia, PA | 2 |
| West Chester, PA | 2 |
| Brookhaven, PA | 1 |
| Coatesville, PA | 1 |
| Downingtown, PA | 1 |
| East Norriton, PA | 1 |
Largest competitors nearby
Local market: Chester county, PA, around its headquarters.
| 33 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 15.7% |
| Truist Bank | 10.1% |
| PNC Bank, National Association | 9.9% |
| TD Bank, National Association | 8.6% |
| Citizens Bank, National Association | 8.6% |
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.