Compared with Idaho
2 of 14
compared fees are above the median.
9 below, 3 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
10th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Idaho median
of 14 compared; 9 below, 3 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Cottonwood Community 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 Idaho median | Published fees above the Idaho median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cottonwood Community 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 1.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (10th 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 $80K in Q2 2026, 74% above the same quarter a year earlier ($46K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the Idaho median; 9 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 Idaho medians for fees published by banks and credit unions.
Non-Network ATM
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Idaho, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 48% from Q3 2025 to Q2 2026, to $80K. Its share of revenue, 1.6%, is below the 7.2% median for credit unions with under $300M in assets.
$80K
Cottonwood Community 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.
Cottonwood Community Federal Credit Union · $286M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cottonwood Community Federal Credit Union(this institution) | Cottonwood, ID | $286M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Community Federal Credit Union | Sparta, WI | $288M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advantage Plus Federal Credit Union | Pocatello, ID | $292M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Alive Federal Credit Union | Jacksonville, FL | $296M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Allegent Community Federal Credit Union | Pittsburgh, PA | $281M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Alltrust Federal Credit Union | Fairhaven, MA | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bangor Federal Credit Union | Bangor, ME | $293M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bronco Federal Credit Union | Franklin, VA | $292M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Century Heritage Federal Credit Union | Pittsburgh, PA | $289M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Edwards Federal Credit Union | Edwards, CA | $277M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| General Electric Employees Federal Credit Union | Milford, CT | $283M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Glacier Hills Federal Credit Union | West Bend, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Har-Co Federal Credit Union | Bel Air, MD | $286M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heritage Community Federal Credit Union | Rancho Cordova, CA | $283M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Holyoke Federal Credit Union | Holyoke, MA | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Kalsee Federal Credit Union | Kalamazoo, MI | $292M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lormet Community Federal Credit Union | Amherst, OH | $283M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Family Federal Credit Union | Lewiston, ME | $288M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Norstate Federal Credit Union | Madawaska, ME | $280M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwestern Mutual Federal Credit Union | Milwaukee, WI | $286M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Penn East Federal Credit Union | Scranton, PA | $280M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tct Federal Credit Union | Ballston Spa, NY | $296M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Top Tier Federal Credit Union | Clarion, PA | $278M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| U S Postal Service Federal Credit Union | Clinton, MD | $280M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Unity One Federal Credit Union | Fort Worth, TX | $276M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Western Vista Federal Credit Union | Cheyenne, WY | $281M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 12 publish this fee(monthly maintenance)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.75 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 Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Cottonwood Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
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 Cottonwood Community 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 | $80K | +$28K | +53.8% |
| Q1 2026 | $52K | +$9K | +20.9% |
| Q4 2025 | $43K | −$11K | −20.4% |
| Q3 2025 | $54K | +$8K | +17.4% |
| Q2 2025 | $46K | $0 | 0.0% |
| Q1 2025 | $46K | −$28K | −37.8% |
| Q4 2024 | $74K | −$10K | −11.9% |
| Q3 2024 | $84K | +$2K | +2.4% |
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, Cottonwood Community 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 Cottonwood Community Federal Credit Union by share.
Amounts from Cottonwood Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Research Fee | $15Inside the U.S. middle 50% ($6.25 to $25 nationally) | Not stated | None |
| Bad Address Fee | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| NON-Sufficient Funds | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Shared Branching Returned Item | $15Below the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Swipe | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Not CCFCU ATM | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement | $7Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFERS: Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Checks (1st five free) | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payments | $10Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temp/Counter Check | $3Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Check Processing Fee | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of check | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Return Deposit Item | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Response to Subpoenas | $20Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Everyday Spend Card Reload | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Gift Card | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Travel Card Reload | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement (per month) | $1Not compared: Monthly charge, not per item | per month | None |
| Fax - incoming & outgoing (per page) | $1Below 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 Cottonwood Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
7 offices in 1 state (June 30, 2026)
Each dot is one office.
6 of 7 offices on the map.
Cities with the most offices
| Cottonwood, ID | 2 |
| Craigmont, ID | 1 |
| Grangeville, ID | 1 |
| Kooskia, ID | 1 |
| Nezperce, ID | 1 |
| Riggins, ID | 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.