Compared with Indiana
1 of 18
compared fees are above the median.
13 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
41st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Indiana median
of 18 compared; 13 below, 4 about the same
See the feesFee schedule read Apr 20, 2026
Call-report figures are for City Of Firsts 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 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 Indiana median | Published fees above the Indiana median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | City Of Firsts Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.0% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (41st 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 $32K in Q2 2026, 6.7% above the same quarter a year earlier ($30K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
1 of 18 compared published fees sit above the Indiana median; 13 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 Indiana medians for fees published by banks and credit unions.
Non-Network ATM
Wire Transfer (Domestic Out)
Wire Transfer (Domestic In)
Each amount links to the fee schedule it was read from. Medians for Indiana, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 3.2% from Q3 2025 to Q2 2026, to $32K. Its share of revenue, 6.0%, is below the 7.2% median for credit unions with under $300M in assets.
$32K
City Of Firsts 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 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
City Of Firsts Community Federal Credit Union · $39M 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 |
|---|---|---|---|---|---|---|---|
| City Of Firsts Community Federal Credit Union(this institution) | Kokomo, IN | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| 600 Atlantic Federal Credit Union | Boston, MA | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| A & S Federal Credit Union | Aliquippa, PA | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Aspire Federal Credit Union | Lufkin, TX | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Austin Federal Credit Union | Austin, TX | $38M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brightview Federal Credit Union | Ridgeland, MS | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Butte Community Federal Credit Union | Butte, MT | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Detour Drummond Community Federal Credit Union | Drummond Island, MI | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Graco Federal Credit Union | Alma, MI | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Gsa Federal Credit Union | Washington, DC | $38M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lakehurst Naval Federal Credit Union | Lakehurst Naec, NJ | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lutheran Federal Credit Union | Saint Louis, MO | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Materion Federal Credit Union | Elmore, OH | $39M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Maui Teachers Federal Credit Union | Wailuku, HI | $38M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Members Financial Federal Credit Union | Midland, TX | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnesota Catholic Federal Credit Union | Little Canada, MN | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morgantown A E S Federal Credit Union | Morgantown, WV | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nashville Firemen'S Federal Credit Union | Nashville, TN | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| National J. A. C. L. Federal Credit Union | Salt Lake City, UT | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Norwin Teachers Federal Credit Union | North Huntingdon, PA | $39M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Pahranagat Valley Federal Credit Union | Alamo, NV | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Port Arthur Teachers Federal Credit Union | Port Arthur, TX | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Settlers Federal Credit Union | Bruce Crossing, MI | $38M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| St. Anthony Of Padua Federal Credit Union | Fall River, MA | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Theory Federal Credit Union | Painesville, OH | $38M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Twin Rivers Federal Credit Union | Massena, NY | $39M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(domestic wire)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $20, against a peer median of $20 among 19 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.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire 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 City Of Firsts 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 | $32K | +$3K | +10.3% |
| Q1 2026 | $29K | −$6K | −17.1% |
| Q4 2025 | $35K | +$4K | +12.9% |
| Q3 2025 | $31K | +$1K | +3.3% |
| Q2 2025 | $30K | −$4K | −11.8% |
| Q1 2025 | $34K | −$11K | −24.4% |
| Q4 2024 | $45K | +$2K | +4.7% |
| Q3 2024 | $43K | +$4K | +10.3% |
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, City Of Firsts 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 City Of Firsts Community Federal Credit Union by share.
Amounts from City Of Firsts Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closure (WITHIN 90 DAYS OF OPENING) | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Fee (NO ACTIVITY IN 12 MONTHS) | $3Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research, reconciling check book | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
| Mailed Account Statement | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $3Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Auto/Manual Overdraft Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| After 8th ATM transaction (IN A MONTH) | $0.75Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Outgoing Wire | $20Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Incoming Wire | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashiers Check Fee | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Non-Member Check Cashing (U.S.) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay ( I PAY) Service | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Notary Service (MEMBERS ONLY) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Legal Process (LEVY/WARRANT/RECORD REQUEST) | $20Below the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal order processing fee | $30Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Deposit Account Verification | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Retirement & IRA | |||
| Check Orders/Accessories: Charges vary by design: IRA Early Withdrawal/Transfer/Closing | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Other Fees | |||
| Copies (PER PAGE) | $0.50Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-A-Payment fee | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Apr 20, 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 City Of Firsts Community 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
| Kokomo, IN | 1 |
Largest competitors nearby
Local market: Howard county, IN, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Community First Bank of Indiana | 33% |
| First Farmers Bank & Trust Co. | 31.1% |
| BMO Bank National Association | 12.7% |
| KeyBank National Association | 8.9% |
| PNC Bank, National Association | 7.3% |
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.