Compared with Hawaii
3 of 11
compared fees are above the median.
5 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
47th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Hawaii median
of 11 compared; 5 below, 3 about the same
See the feesFee schedule read Oct 2, 2026
Call-report figures are for Kauai 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 Hawaii median | Published fees above the Hawaii median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Kauai 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 6.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (47th 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 $217K in Q2 2026, about level with the same quarter a year earlier ($217K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
3 of 11 compared published fees sit above the Hawaii 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 Hawaii medians for fees published by banks and credit unions.
Cashier's Check
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Hawaii, 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 13% from Q3 2025 to Q2 2026, to $217K. Its share of revenue, 6.7%, is below the 7.2% median for credit unions with under $300M in assets.
$217K
Kauai 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.
Kauai Federal Credit Union · $193M 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 |
|---|---|---|---|---|---|---|---|
| Kauai Federal Credit Union(this institution) | Lihue, HI | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Beach Municipal Federal Credit Union | Virginia Beach, VA | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Big Island Federal Credit Union | Hilo, HI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Coloramo Federal Credit Union | Grand Junction, CO | $196M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Democracy Federal Credit Union | Alexandria, VA | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Discovery Federal Credit Union | Wyomissing, PA | $193M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Downriver Community Federal Credit Union | Ecorse, MI | $193M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Endurance Federal Credit Union | Duncan, OK | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Central Federal Credit Union | Waco, TX | $192M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Government Employees Federal Credit Union | Austin, TX | $189M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Lone Star Federal Credit Union | Dallas, TX | $188M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Membersource Federal Credit Union | Houston, TX | $196M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Miami Firefighters Federal Credit Union | Miami, FL | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Municipal Employees Credit Union of Oklahoma City | Oklahoma City, OK | $190M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Northeast Community Federal Credit Union | Elizabethton, TN | $194M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Nw Preferred Federal Credit Union | Tigard, OR | $189M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| P & G Mehoopany Employees Federal Credit Union | Tunkhannock, PA | $195M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Polish-American Federal Credit Union | Troy, MI | $195M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority Trust Federal Credit Union | Houston, TX | $191M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Ripco Federal Credit Union | Rhinelander, WI | $189M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| River Works Federal Credit Union | Lynn, MA | $193M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Riverfall Federal Credit Union | Tuscaloosa, AL | $194M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Saco Valley Federal Credit Union | Saco, ME | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Schools Federal Credit Union | Torrance, CA | $196M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sierra Pacific Federal Credit Union | Reno, NV | $189M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sky Federal Credit Union | Livingston, MT | $197M | Publishes Monthly maintenance | Publishes Out-of-network ATM | 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 $10 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Kauai 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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Kauai 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 | $217K | +$13K | +6.4% |
| Q1 2026 | $204K | $0 | 0.0% |
| Q4 2025 | $204K | +$12K | +6.3% |
| Q3 2025 | $192K | −$25K | −11.5% |
| Q2 2025 | $217K | +$18K | +9.0% |
| Q1 2025 | $199K | −$34K | −14.6% |
| Q4 2024 | $233K | +$22K | +10.4% |
| Q3 2024 | $211K | +$20K | +10.5% |
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, Kauai 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 Kauai Federal Credit Union by share.
Amounts from Kauai Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour · Research/Account | $20.00/Hour;
per item
per item
per item
per month
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account | $4Not compared: Quarterly charge, not monthly | per quarter | None |
| Research/Account | $20Not compared: Charged per hour; comparison unavailable | per hour | Research/Account | $20.00/Hour; |
| Excess Transactions | No chargeBelow the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| NSF - Item Returned | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashiers Checks First two checks free | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Checks | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Copy of Paid Checks | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Return Item | $20Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Legal Processing | $40Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statement | $5Not compared: Monthly charge, not per item | per month | None |
| Money Market: more than 6: Copy of Paid Cashier’s | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy | $0.50Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
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 Kauai Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
3 offices in 1 state (June 30, 2026)
Each dot is one office.
2 of 3 offices on the map.
Cities with the most offices
| Kapaa, HI | 1 |
| Kilauea, HI | 1 |
| Lihue, HI | 1 |
Largest competitors nearby
Local market: Kauai county, HI, around its headquarters.
| 10 in its local market | Deposit share |
|---|---|
| Bank of Hawaii | 41.9% |
| First Hawaiian Bank | 35.7% |
| American Savings Bank, National Association | 14.9% |
| Central Pacific Bank | 6.6% |
| Bank of Hope | 0.6% |
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.