Compared with Hawaii
5 of 12
compared fees are above the median.
6 below, 1 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
24th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Hawaii median
of 12 compared; 6 below, 1 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Onomea 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 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. | Onomea 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 3.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (24th 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 $12K in Q2 2026, 7.7% below the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 12 compared published fees sit above the Hawaii median; 6 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)
Wire Transfer (Domestic Out)
Stop Payment
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 fell 14% from Q3 2025 to Q2 2026, to $12K. Its share of revenue, 3.6%, is below the 7.2% median for credit unions with under $300M in assets.
$12K
Onomea 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.
Onomea Federal Credit Union · $26M 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 |
|---|---|---|---|---|---|---|---|
| Onomea Federal Credit Union(this institution) | Papaikou, HI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Beverly Municipal Federal Credit Union | Beverly, MA | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Center City Community Federal Credit Union | Buena Park, CA | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Illinois Federal Credit Union | Champaign, IL | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Concho Valley Federal Credit Union | San Angelo, TX | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Construction Federal Credit Union | Bingham Farms, MI | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| County Federal Credit Union | Clayton, MO | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dowagiac Area Federal Credit Union | Dowagiac, MI | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Elite Community Federal Credit Union | Bourbonnais, IL | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Energize Federal Credit Union | Oklahoma City, OK | $25M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Family Community Federal Credit Union | Charles City, IA | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Farm Bureau Family Federal Credit Union | Lansing, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Healthcare Services Federal Credit Union | Chattanooga, TN | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Legacy Federal Credit Union | Joplin, MO | $25M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Lockport Schools & Community Federal Credit Union | Lockport, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Michigan Coastal Federal Credit Union | Muskegon, MI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Montcalm Public Employees Federal Credit Union | Edmore, MI | $27M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Mycom Federal Credit Union | Pittsfield, MA | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Norfolk Fire Department Federal Credit Union | Norfolk, VA | $27M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Racine Municipal Employees Federal Credit Union | Racine, WI | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Shared Resources Federal Credit Union | Pasadena, TX | $25M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texhillco School Employees Federal Credit Union | Kerrville, TX | $27M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| The Local Federal Credit Union | Dallas, TX | $26M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Westside Community Federal Credit Union | Churchville, NY | $26M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Worcester Police Department Federal Credit Union | Worcester, MA | $25M | 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 · 11 publish this fee(out-of-network atm)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1 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.
Out-of-network ATM fee in dollars, one mark per institution
Onomea Federal Credit Union does not publish an out-of-network atm 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 Onomea 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 | $12K | −$1K | −7.7% |
| Q1 2026 | $13K | +$1K | +8.3% |
| Q4 2025 | $12K | −$2K | −14.3% |
| Q3 2025 | $14K | +$1K | +7.7% |
| Q2 2025 | $13K | +$1K | +8.3% |
| Q1 2025 | $12K | −$1K | −7.7% |
| Q4 2024 | $13K | −$4K | −23.5% |
| Q3 2024 | $17K | +$1K | +6.3% |
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, Onomea 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 Onomea Federal Credit Union by share.
Amounts from Onomea 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
per item
per item
per item
per item
per item
per page
per page
per page
per page
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closed Within 3 Months of Opening | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| 120 daysof inactivity | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant/Escheat Account Processing | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation/Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
ATM & Card | |||
| Debit Card Replacement Fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Emergency Card Replacement Fee | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Foreign Transactions | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| ACH/Share Draft Stop Payment | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Share Draft Item | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Copy of Teller Check | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH/Share Draft Overdraft or Return | $23Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Copy of Receipt | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Document Copy | $5Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Photocopy Fees | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | 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 Onomea 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
| Papaikou, HI | 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.