Compared with Virginia
8 of 17
compared fees are above the median.
5 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
67th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Virginia median
of 17 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 15, 2026
Call-report figures are for Patent And Trademark Office 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 Virginia median | Published fees above the Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Patent And Trademark Office Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 15, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.7% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (67th 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 $41K in Q2 2026, 7.9% above the same quarter a year earlier ($38K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 17 compared published fees sit above the Virginia median; 5 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 Virginia medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 5.1% from Q3 2025 to Q2 2026, to $41K. Its share of revenue, 9.7%, is above the 7.2% median for credit unions with under $300M in assets.
$41K
Patent And Trademark Office 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.
Patent And Trademark Office Federal Credit Union · $40M 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 |
|---|---|---|---|---|---|---|---|
| Patent And Trademark Office Federal Credit Union(this institution) | Alexandria, VA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| A & S Federal Credit Union | Aliquippa, PA | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Chaves County School Employees Federal Credit Union | Roswell, NM | $40M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Connection Federal Credit Union | Silverdale, WA | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Credit Union One of Oklahoma | Oklahoma City, OK | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Diablo Valley Federal Credit Union | Concord, CA | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Community Federal Credit Union | Sandusky, OH | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Golden Valley Federal Credit Union | Manteca, CA | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grand Trunk Battle Creek Emp Federal Credit Union | Battle Creek, MI | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hotel And Travel Industry Federal Credit Union | Honolulu, HI | $40M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jax Fire Federal Credit Union | Jacksonville, FL | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Keystone Federal Credit Union | Tyler, TX | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| M O Federal Credit Union | Huron, SD | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| M.P.D. Community Federal Credit Union | Nashville, TN | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Manchester Municipal Federal Credit Union | Manchester, CT | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Nashville Firemen'S Federal Credit Union | Nashville, TN | $39M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Niagara Regional Federal Credit Union | North Tonawanda, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pee Dee Federal Credit Union | Florence, SC | $41M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Planites Federal Credit Union | Chicago, IL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Public Service Federal Credit Union | Middlesex, NJ | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Red Oak Federal Credit Union | Tuscaloosa, AL | $40M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| San Angelo Federal Credit Union | San Angelo, TX | $41M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sioux Valley Coop Federal Credit Union | Watertown, SD | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Utica District Telephone Employees Federal Credit Union | Utica, NY | $40M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Visionary Federal Credit Union | Bridgeville, PA | $41M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Westchester Schools' Federal Credit Union | Rye Brook, NY | $41M | 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 · 12 publish this fee(out-of-network atm)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1.50 among 12 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 30, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 30, 2026. Total assets from FDIC and NCUA records.
Call reports for Patent And Trademark Office 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 | $41K | +$2K | +5.1% |
| Q1 2026 | $39K | −$1K | −2.5% |
| Q4 2025 | $40K | +$1K | +2.6% |
| Q3 2025 | $39K | +$1K | +2.6% |
| Q2 2025 | $38K | −$4K | −9.5% |
| Q1 2025 | $42K | +$1K | +2.4% |
| Q4 2024 | $41K | −$2K | −4.7% |
| Q3 2024 | $43K | +$7K | +19.4% |
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, Patent And Trademark Office 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 Patent And Trademark Office Federal Credit Union by share.
Amounts from Patent And Trademark Office Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Closing Primary Account within 6 months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account/Per Quarter (no activity for 1 year/effective Jan. 1, 2011) | $20Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Research/Per Hour | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Check Card research of charge-back or dispute that is proven to be a member authorized transaction | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Returned Mail/Per Piece | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| ATM Share Overdraft (Balance Below $25.00) | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Check Card Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Returned Electronic ACH (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Share Draft Check (NSF) | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Transfers/Per Transfer After 6 per month | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Transaction (Non-PTOFCU ATMs) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Card Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Visa Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer Domestic | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer International | $40Inside the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Certified Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Official Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order (each) | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Money Order Stop Payment | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Share Draft, Official Check, or Electronic ACH | $35Above 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 | |||
| ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Cash & Deposit | |||
| Visa Cash Advance | $2Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
Lending Fees | |||
| Visa Late Payment | 5%($15 minimum) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Per Check/Facsimile (Fax) | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Duplicate Lien Release | $17Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Home Equity Loan Application | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Extension Agreement | $15Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Request to pay-off loan with us | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Payment/Per Approved Request | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 15, 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 Patent And Trademark Office 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
| Alexandria, VA | 2 |
Largest competitors nearby
Local market: Alexandria city and Fairfax counties, VA, around its headquarters.
| 55 in its local market | Deposit share |
|---|---|
| Capital One, National Association | 43.4% |
| Truist Bank | 12.6% |
| Wells Fargo Bank, National Association | 10.8% |
| Bank of America, National Association | 7.2% |
| United Bank | 4.1% |
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.