Compared with West Virginia
10 of 16
compared fees are above the median.
2 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
95th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 16 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 9, 2026
Call-report figures are for Pioneer Appalachia 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 West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Pioneer Appalachia Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 9, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 20% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (95th 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 $610K in Q2 2026, 2.2% above the same quarter a year earlier ($597K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
10 of 16 compared published fees sit above the West Virginia median; 2 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 West Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Overdraft (OD)
Compared at $35, its standard fee, the highest of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.5% from Q3 2025 to Q2 2026, to $610K. Its share of revenue, 20%, is above the 7.2% median for credit unions with under $300M in assets.
$610K
Pioneer Appalachia 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. *Overdraft: Listed at $5 to $35; we compare the highest.
Pioneer Appalachia Federal Credit Union · $245M 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 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Pioneer Appalachia Federal Credit Union(this institution) | Charleston, WV | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bossier Federal Credit Union | Bossier City, LA | $245M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Building Trades Federal Credit Union | Maple Grove, MN | $250M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cedar Falls Community Federal Credit Union | Cedar Falls, IA | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Corazo Federal Credit Union | El Centro, CA | $244M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Encompass Federal Credit Union | Tipton, IN | $241M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Geovista Federal Credit Union | Hinesville, GA | $247M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Alliance Federal Credit Union | Paramus, NJ | $248M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Illinois State Federal Credit Union | Normal, IL | $249M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Investex Federal Credit Union | Humble, TX | $245M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Jersey Shore Federal Credit Union | Northfield, NJ | $246M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Luso Federal Credit Union | Ludlow, MA | $245M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mc Federal Credit Union | Danville, PA | $247M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Meritus Federal Credit Union | Lafayette, LA | $246M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Michigan One Community Federal Credit Union | Ionia, MI | $240M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Novation Federal Credit Union | Oakdale, MN | $244M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Nw Priority Federal Credit Union | Portland, OR | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ohio Valley Community Federal Credit Union | Clarington, OH | $244M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pyramid Federal Credit Union | Tucson, AZ | $248M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Seaboard Federal Credit Union | Bucksport, ME | $246M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Shrewsbury Federal Credit Union | Shrewsbury, MA | $249M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Skypoint Federal Credit Union | Germantown, MD | $243M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Southbridge Federal Credit Union | Southbridge, MA | $242M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Security Federal Credit Union | Collierville, TN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sterling Federal Credit Union | Sterling, CO | $247M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $12, against a peer median of $5.45 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 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 Pioneer Appalachia 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 | $610K | −$32K | −5.0% |
| Q1 2026 | $642K | +$18K | +2.9% |
| Q4 2025 | $624K | −$15K | −2.3% |
| Q3 2025 | $639K | +$42K | +7.0% |
| Q2 2025 | $597K | +$20K | +3.5% |
| Q1 2025 | $577K | −$43K | −6.9% |
| Q4 2024 | $620K | −$17K | −2.7% |
| Q3 2024 | $637K | +$20K | +3.2% |
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, Pioneer Appalachia 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 Pioneer Appalachia Federal Credit Union by share.
Amounts from Pioneer Appalachia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
per item
per item
per page
per item
per item
per item
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Share Draft/Checking comes with a Monthly service charge | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Services | No chargeBelow the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Printed & Mailed Statements | $1Below the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay fee | $18Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay fee | $5Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay fee | $12Below the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Courtesy Pay Fee (negative balance $300.01 – $500.00) | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/Returned Items | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Checks | $4Not compared: Charged per page; comparison unavailable | per page | None |
| Member Check Cashing (audience not stated, treated as personal) | 3% | Not stated | None |
| Check Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Official Check Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Payment Return Fee cover this cost | $10Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Coin Sorter | 12% | Not stated | None |
| Non‐Pioneer Credit or Debit Cash Advance | $2Inside the U.S. middle 50% ($2 to $10 nationally) | per item | None |
| Non‐Pioneer Credit or Debit Cash Advance (audience not stated, treated as personal) | 4%of the advance | Not stated | None |
| Deposited Item Return | $35Above the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Notary Public service Free to members. Non‐members are charged | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Safe Deposit Box 10” x 10” | $84Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3” x 5” | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 4” x 5” | $48Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5” x 10” | $72Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box: 5” x 5” | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Tax Levy/Garnishment | $150Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Lending Fees | |||
| Consumer Loan Late Payment | 5%($10 minimum, $30 maximum) | Not stated | None |
Other Fees | |||
| Overnight Delivery | $30Inside the U.S. middle 50% ($20 to $40 nationally) | Not stated | None |
| Document Copies | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service | $2.50Not compared: Charged per page; comparison unavailable | per page | None |
| Loan Application After 3 Denials within 12 Months | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | 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 9, 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 Pioneer Appalachia Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Charleston, WV | 1 |
| Huntington, WV | 1 |
| Hurricane, WV | 1 |
| Morgantown, WV | 1 |
| South Charleston, WV | 1 |
Largest competitors nearby
Local market: Kanawha county, WV, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Truist Bank | 29.6% |
| United Bank | 20% |
| City National Bank of West Virginia | 14.4% |
| The Huntington National Bank | 10.5% |
| JPMorgan Chase Bank, National Association | 8.5% |
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.