Compared with Ohio
19 of 30
compared fees are above the median.
6 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
45th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 30 compared; 6 below, 5 about the same
See the feesFee schedule read Oct 20, 2026
Call-report figures are for Unity Catholic 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 Ohio median | Published fees above the Ohio median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Unity Catholic Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 20, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (45th 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 $96K in Q2 2026, 16% above the same quarter a year earlier ($83K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
19 of 30 compared published fees sit above the Ohio median; 6 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 Ohio medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.75, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 17% from Q3 2025 to Q2 2026, to $96K. Its share of revenue, 6.4%, is below the 7.2% median for credit unions with under $300M in assets.
$96K
Unity Catholic 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 $0.50 to $1; we compare the midpoint.
Unity Catholic Federal Credit Union · $98M 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 |
|---|---|---|---|---|---|---|---|
| Unity Catholic Federal Credit Union(this institution) | Parma, OH | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Afena Federal Credit Union | Marion, IN | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Athol Federal Credit Union | Athol, MA | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bay Atlantic Federal Credit Union | Vineland, NJ | $97M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community First Federal Credit Union | Ashtabula, OH | $100M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Concho Educators Federal Credit Union | San Angelo, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Connects Federal Credit Union | Richmond, VA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Class Community Federal Credit Union | West Des Moines, IA | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Healthcare First Credit Union | Johnstown, PA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Heritage USA Federal Credit Union | Midland, TX | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Journey Federal Credit Union | Des Moines, IA | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lower Columbia Longshoremen Federal Credit Union | Longview, WA | $96M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Members Community Federal Credit Union | Muscatine, IA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Point West Federal Credit Union | Portland, OR | $98M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Ridgedale Federal Credit Union | East Hanover, NJ | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sno Falls Federal Credit Union | North Bend, WA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St. Pius X Church Federal Credit Union | Rochester, NY | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tampa Postal Federal Credit Union | Tampa, FL | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Members 1St Federal Credit Union | Oak Ridge, TN | $98M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Texas Bridge Federal Credit Union | Corpus Christi, TX | $99M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Texas Dps Federal Credit Union | Austin, TX | $98M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Universal Federal Credit Union | Huntington, WV | $100M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| University Of Toledo Federal Credit Union | Toledo, OH | $100M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Va Desert Pacific Federal Credit Union | Long Beach, CA | $99M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Washington County Teachers Federal Credit Union | Hagerstown, MD | $96M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wnc Community Credit Union | Waynesville, NC | $96M | 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 · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 9 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
Unity Catholic 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 Oct 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Unity Catholic 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 | $96K | −$7K | −6.8% |
| Q1 2026 | $103K | −$31K | −23.1% |
| Q4 2025 | $134K | +$18K | +15.5% |
| Q3 2025 | $116K | +$33K | +39.8% |
| Q2 2025 | $83K | −$1K | −1.2% |
| Q1 2025 | $84K | −$20K | −19.2% |
| Q4 2024 | $104K | +$19K | +22.4% |
| Q3 2024 | $85K | +$9K | +11.8% |
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, Unity Catholic 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 Unity Catholic Federal Credit Union by share.
Amounts from Unity Catholic Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
per item
per item
per item
per page
per item
per item
per item
per year
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account closed within 12 months of opening | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Early Account Closure within 90 days (except IRA accounts) | $25Not compared: CD/IRA fee | Not stated | None |
| Dormant Account Fee after 1 year Waived for members under 18 years old | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Escheat Fee | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Home Banking Inactive Fee (non-use for 90 days) | $1Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Chargeback Fee per dispute | $25Inside the U.S. middle 50% ($6.44 to $25 nationally) | Not stated | None |
| Money Market Excess Withdrawal Fee (after 3) | $10Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Returned Mail Charge | $10Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| ACH-DEBITS: Non-Sufficient Funds | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF Check Return | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Returned Check Fee due to NSF | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Transaction - Over 8/month any network | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Inquiry Fee - Non-Unity Catholic ATMs | $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 |
| Card Replacement – Rush | $35Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| Foreign Transaction | 1%of the transaction | Not stated | None |
| Foreign Transaction (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
| Foreign Transaction Fee | 0.9%of the transaction | Not stated | None |
| Foreign Transaction Fee (audience not stated, treated as personal) | 0.9%of the transaction | Not stated | None |
Wire Transfers | |||
| WIRE TRANSFER/WIRE SERVICE: Outgoing - Domestic | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| WIRE TRANSFER/WIRE SERVICE: Incoming - Domestic | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Money Order Fee | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Counter Check Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Check made out to third party | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Temporary Checks | $1Not compared: Charged per page; comparison unavailable | per page | None |
| Check Cashing (Less than, no other active service) Active = service used at least every 6 months | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Cashing (Members under 18 years of age) | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing (Non-Members) | $15Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Fee – Draft presented for Collection | $35Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photo Copies of checks in Home Banking | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photo Copy of a Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Record Retrieval - Microfilm Copy of draft or other record | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| One-time ACH Origination Fee | $25Above the U.S. middle 50% ($5 to $15 nationally) | one time | None |
| ACH Return Fee | $35Above the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Bill Pay - initial 3 months free, then non-use | $3Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
Cash & Deposit | |||
| Non-Member Cash Advance Fee | $5Inside the U.S. middle 50% ($2 to $10 nationally) | Not stated | None |
| Deposited Item Return | $25Inside the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Fee (Member) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary Fee (Non-Member) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Annual Fee - Box size 3x10 | $55Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Fee - Box size 3x5 | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Fee - Box size 5x10 | $70Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Fee - Box size 5x5 | $45Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Late Fee | $10Not compared: Box drilling or key fee | Not stated | None |
| Replacement Key(s) | $30Not compared: Box drilling or key fee | Not stated | None |
| Tax Levy/Garnishment/Litigation | $55Inside the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
| Subordination Fee | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification Processing Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee | $27Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Payment Fee (All loans) | $35Above the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $2.95Below the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| VISA Prepaid Re-Loadable Debit Card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Payoff Request by paper form | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | 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 20, 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 Unity Catholic 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.
1 is shown at the middle of its town until the exact address is found.
Cities with the most offices
| Brunswick, OH | 1 |
| Parma, OH | 1 |
Largest competitors nearby
Local market: Cuyahoga county, OH, around its headquarters.
| 52 in its local market | Deposit share |
|---|---|
| KeyBank National Association | 54.9% |
| PNC Bank, National Association | 8.8% |
| The Huntington National Bank | 8.2% |
| Citizens Bank, National Association | 5.8% |
| Third Federal Savings and Loan Association of Cleveland | 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.