Richland Federal Credit Union

Headquarters: Sidney, Montana
Charter: Credit Union
Assets: $118.9M
Fed district: Minneapolis

18 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 Richland 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.	Richland 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: Richland 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 $49K in Q2 2026, 11% below the same quarter a year earlier ($55K).
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.

Monthly Maintenance
Richland Federal Credit Union: $2
Richland Federal Credit Union: $2
U.S. median: no median
Non-Network ATM
Compared at $2, the middle of its prices
Richland Federal Credit Union: $1 to $3
Richland Federal Credit Union: $1 to $3
U.S. median: no median
Foreign Transaction
Compared at $2, the middle of its prices
Richland Federal Credit Union: $1 to $3
Richland Federal Credit Union: $1 to $3
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 Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 3.9% from Q3 2025 to Q2 2026, to $49K.

Fee income, Q2 2026

$49K

$51KQ3 2025

$47KQ4 2025

$43KQ1 2026

$49KQ2 2026

Against the median

Richland 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

Richland Federal Credit Union · $119M 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.

Credit unions only
$115M to $122M in assets
Headquartered in 17 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
Richland Federal Credit Union(this institution)	Sidney, MT	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
A.A.E.C. Federal Credit Union	Arlington Heights, IL	$119M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Brewer Federal Credit Union	Brewer, ME	$118M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Casco Federal Credit Union	Gorham, ME	$121M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Centex Citizens Federal Credit Union	Mexia, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cgr Federal Credit Union	Macon, GA	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Circle Federal Credit Union	Niles, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Federal Credit Union	Lewiston, ME	$120M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Desert Rivers Federal Credit Union	Moab, UT	$117M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Estacado Federal Credit Union	Hobbs, NM	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First American Federal Credit Union	Casa Grande, AZ	$120M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Governmental Employees Federal Credit Union	La Crosse, WI	$122M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Hancock Federal Credit Union	Findlay, OH	$118M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
La Loma Federal Credit Union	Loma Linda, CA	$117M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Marquette Community Federal Credit Union	Marquette, MI	$117M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Star Federal Credit Union	Cook, MN	$116M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Nova Federal Credit Union	Charlotte, NC	$121M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Omaha Federal Credit Union	Omaha, NE	$118M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Prestige Community Federal Credit Union	Dallas, TX	$119M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Sea Air Federal Credit Union	Seal Beach, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Sound Federal Credit Union	Norwalk, CT	$116M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
United Local Federal Credit Union	Fresno, CA	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Valley Federal Credit Union	Brownsville, TX	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Valley Federal Credit Union	Salem, OR	$119M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
White Rose Federal Credit Union	York, PA	$115M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Wichita Falls Teachers Federal Credit Union	Wichita Falls, TX	$116M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 13 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Monthly maintenance is $6 (75%) below the median of similar-sized credit unions.

Its published price is $2, against a peer median of $8 among 13 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 Oct 27, 2026.

Monthly maintenance fee in dollars, one mark per institution

Richland Federal Credit U…Peer (equal prices stack)Peer median

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 27, 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 Richland 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: $49K
vs prior quarter: +$6K+14.0%; from Q1 2026
vs a year earlier: −$6K−10.9%; from Q2 2025
vs start of range: +$46K+1533.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Richland 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	$49K	+$6K	+14.0%
Q1 2026	$43K	−$4K	−8.5%
Q4 2025	$47K	−$4K	−7.8%
Q3 2025	$51K	−$4K	−7.3%
Q2 2025	$55K	+$16K	+41.0%
Q1 2025	$39K	−$11K	−22.0%
Q4 2024	$50K	+$47K	+1566.7%
Q3 2024	$3K	−$69K	−95.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly Maintenance$2
per month
Primary Share Account Closed Within 90 Days of Opening$15
Account Research/ Balancing Assistance$30
Not compared: Charged per hour; comparison unavailable
per hour
For each statement needed to reconcile$2
per item
Reconcile StatementNo charge
Address Corrections – Returned Statement$5

Overdraft & NSF

Overdraft Protection$5
Overdraft transfer from loan$5
Overdraft transfer from shares$5

ATM & Card

ATM card usage fee – first 3 foreign transactions free per month, thereafter$3
ATM card usage fee – first 3 foreign transactions free per month, thereafter$1
Card replacement$15
ATM card usage fee – first 3 foreign transactions free per month, thereafter$3
ATM card usage fee – first 3 foreign transactions free per month, thereafter$1

Check Services

Money Order$3
Stop Payment Order or Renewal$10
Copy of Share Draft$5

Digital & Electronic

Bill PayNo charge

Cash & Deposit

Deposited Checks Returned Unpaid$10
Night DepositNo charge

Account Services

Notary ServiceNo charge
Safe Deposit Boxes: Large (5 by 10)$40
per year
Safe Deposit Boxes: Medium (3 by 10)$30
per year
Safe Deposit Boxes: Small (3 by 5)$20
per year
Garnishment, Levy, or Execution$50

Other Fees

Photocopies$0.10
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$2	per month	None
Primary Share Account Closed Within 90 Days of Opening	$15	Not stated	None
Account Research/ Balancing Assistance	$30Not compared: Charged per hour; comparison unavailable	per hour	None
For each statement needed to reconcile	$2	per item	None
Reconcile Statement	No charge	Not stated	None
Address Corrections – Returned Statement	$5	Not stated	None
Overdraft & NSF
Overdraft Protection	$5	Not stated	None
Overdraft transfer from loan	$5	Not stated	None
Overdraft transfer from shares	$5	Not stated	None
ATM & Card
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$3	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$1	Not stated	None
Card replacement	$15	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$3	Not stated	None
ATM card usage fee – first 3 foreign transactions free per month, thereafter	$1	Not stated	None
Check Services
Money Order	$3	Not stated	None
Stop Payment Order or Renewal	$10	Not stated	None
Copy of Share Draft	$5	Not stated	None
Digital & Electronic
Bill Pay	No charge	Not stated	None
Cash & Deposit
Deposited Checks Returned Unpaid	$10	Not stated	None
Night Deposit	No charge	Not stated	None
Account Services
Notary Service	No charge	Not stated	None
Safe Deposit Boxes: Large (5 by 10)	$40	per year	None
Safe Deposit Boxes: Medium (3 by 10)	$30	per year	None
Safe Deposit Boxes: Small (3 by 5)	$20	per year	None
Garnishment, Levy, or Execution	$50	Not stated	None
Other Fees
Photocopies	$0.10	per item	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

Get an email when Richland Federal Credit Union's monthly maintenance changes in our data

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