Compared with Montana
4 of 16
compared fees are above the median.
7 below, 5 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
21st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Montana median
of 16 compared; 7 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
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) 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 Montana median | Published fees above the Montana 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
Fee income was 3.2% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (21st 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 $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.
4 of 16 compared published fees sit above the Montana median; 7 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 Montana medians for fees published by banks and credit unions.
Monthly Maintenance
Non-Network ATM
Compared at $2, the middle of its prices
Foreign Transaction
Compared at $2, the middle of its prices
A blank median means fewer than 5 publish the fee.
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.
Fee income fell 3.9% from Q3 2025 to Q2 2026, to $49K. Its share of revenue, 3.2%, is below the 7.2% median for credit unions with under $300M in assets.
$49K
Richland 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. *Non-network ATM: Listed at $1 to $3; we compare the midpoint.
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.
| 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.
Peer pricing snapshot
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
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.
Call reports for Richland 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 | $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% |
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, Richland 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 Richland Federal Credit Union by share.
Amounts from Richland 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 year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Primary Share Account Closed Within 90 Days of Opening | $15Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Research/ Balancing Assistance | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| For each statement needed to reconcile | $2Below the U.S. middle 50% ($6.25 to $25 nationally) | per item | None |
| Reconcile Statement | No chargeBelow the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Address Corrections – Returned Statement | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft Protection | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft transfer from loan | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Overdraft transfer from shares | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
ATM & Card | |||
| ATM card usage fee – first 3 foreign transactions free per month, thereafter | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM card usage fee – first 3 foreign transactions free per month, thereafter | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Card replacement | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| ATM card usage fee – first 3 foreign transactions free per month, thereafter | $3Above the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
| ATM card usage fee – first 3 foreign transactions free per month, thereafter | $1Inside the U.S. middle 50% ($0 to $2.38 nationally) | Not stated | None |
Check Services | |||
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Order or Renewal | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Copy of Share Draft | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Checks Returned Unpaid | $10Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
| Night Deposit | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Boxes: Large (5 by 10) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes: Medium (3 by 10) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Boxes: Small (3 by 5) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment, Levy, or Execution | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Photocopies | $0.10Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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.
Where Richland Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Culbertson, MT | 1 |
| Sidney, MT | 1 |
Largest competitors nearby
Local market: Richland county, MT, around its headquarters.
| 4 in its local market | Deposit share |
|---|---|
| Stockman Bank of Montana | 64.8% |
| The Yellowstone Bank | 16.2% |
| Wells Fargo Bank, National Association | 13% |
| Merchants Bank | 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.