Compared with Maryland
6 of 12
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
48th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 12 compared; 2 below, 4 about the same
See the feesFee schedule read Oct 2, 2026
Call-report figures are for National Institutes Of Health 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 569 credit unions with $300M to $1B 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 Maryland median | Published fees above the Maryland median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | National Institutes Of Health Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 7.7% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (48th 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 $755K in Q2 2026, 44% above the same quarter a year earlier ($526K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 12 compared published fees sit above the Maryland 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 Maryland medians for fees published by banks and credit unions.
Monthly Maintenance
CompleteCare Checking
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 28% from Q3 2025 to Q2 2026, to $755K. Its share of revenue, 7.7%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$755K
National Institutes Of Health 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
National Institutes Of Health Federal Credit Union · $817M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| National Institutes Of Health Federal Credit Union(this institution) | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Air Academy Federal Credit Union | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Atomic Federal Credit Union | Piketon, OH | $855M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Direct Federal Credit Union | Needham, MA | $795M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Trust Federal Credit Union | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Credit Union | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Reliant Community Federal Credit Union | Sodus, NY | $788M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sea Comm Federal Credit Union | Massena, NY | $777M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| True Sky Federal Credit Union | Oklahoma City, OK | $778M | 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 · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $6.95, against a peer median of $7.95 among 15 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.
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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for National Institutes Of Health 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 | $755K | −$109K | −12.6% |
| Q1 2026 | $864K | +$190K | +28.2% |
| Q4 2025 | $674K | +$84K | +14.2% |
| Q3 2025 | $590K | +$64K | +12.2% |
| Q2 2025 | $526K | −$22K | −4.0% |
| Q1 2025 | $548K | +$1.3M | |
| Q4 2024 | -$759K | −$1.8M | |
| Q3 2024 | $1.1M | −$217K | −16.7% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, National Institutes Of Health 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 National Institutes Of Health Federal Credit Union by share.
Amounts from National Institutes Of Health Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per year
per hour
per statement · 3 Paper Statements Mailed (Consumer) | $2 per Statement Cycle
per month
per item
per item
per item
per item
per item
per item
per page · Notary Service | $1 per page (NIHFCU members)
per year
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| CompleteCare Checking Monthly service charge (audience not stated, treated as personal) | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Account | $10Not compared: Annual charge, not monthly | per year | None |
| 2 Account Research-Effec�ve 09/09/2022, the Account Reconcilia�on Fee was combined with the Account Research Fee @ | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| 3 Paper Statements Mailed (Consumer) | $2Not compared: Charged per statement; comparison unavailable | per statement | 3 Paper Statements Mailed (Consumer) | $2 per Statement Cycle |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| 5 Returned Unpaid NSF Items (consumer) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Visa Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Checks: Consumer Accounts | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Paid Cashier’s Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Paid Check/Draft Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Expedited Bill Payment | $5Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Item | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | $1Not compared: Charged per page; comparison unavailable | per page | Notary Service | $1 per page (NIHFCU members) |
| Safe Deposit Box 10 x 10” (audience not stated, treated as personal) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 2 x 5” (audience not stated, treated as personal) | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3 x 10” (audience not stated, treated as personal) | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3 x 5” (audience not stated, treated as personal) | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 10” (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5 x 5” (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Atachment or Levy on Account | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification Leter | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of Deposit (VOD leter) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| 4 Statement Copies (Consumer) | $2Not compared: Charged per page; comparison unavailable | per page | 4 Statement Copies (Consumer) | $2 per page |
| Paid Check/Dra� Photocopy | $5Inside the U.S. middle 50% ($2 to $5 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
vs. the U.S. middle 50%:BelowInsideAbove
per year
per hour
per statement · Paper Statement Mailed (Business) | $3 per Statement Cycle
per month
per item
per item
per item
per page · Notary Service | $1 per page (NIHFCU members)
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Inactive Account | $10Not compared: Annual charge, not monthly | per year | None |
| 2 Account Research-Effec�ve 09/09/2022, the Account Reconcilia�on Fee was combined with the Account Research Fee @ | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Mailed (Business) | $3Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Mailed (Business) | $3 per Statement Cycle |
| Bad Address | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| 5 Returned Unpaid NSF Items (business) | $35 | per item | None |
ATM & Card | |||
| Visa Debit Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Stop Payments | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Paid Cashier’s Check Copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Paid Check/Draft Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Expedited Bill Payment | $5Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Returned Deposited/Cashed Item | $30Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | $1Not compared: Charged per page; comparison unavailable | per page | Notary Service | $1 per page (NIHFCU members) |
| Atachment or Levy on Account | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Account Verification Leter | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Verification of Deposit (VOD leter) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Other Fees | |||
| Paid Check/Dra� Photocopy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copies (Business) | $3Not compared: Charged per page; comparison unavailable | per page | Statement Copies (Business) | $3 per page |
Oct 2, 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 National Institutes Of Health Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
8 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
| Rockville, MD | 5 |
| Bethesda, MD | 2 |
| Silver Spring, MD | 1 |
Largest competitors nearby
Local market: Montgomery county, MD, around its headquarters.
| 40 in its local market | Deposit share |
|---|---|
| Forbright Bank | 13.7% |
| Capital One, National Association | 13.4% |
| Bank of America, National Association | 13.1% |
| EagleBank | 11.3% |
| Truist Bank | 9% |
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.