Compared with Maryland
11 of 19
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
36th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Maryland median
of 19 compared; 5 below, 3 about the same
See the feesFee schedule read Nov 3, 2026
Call-report figures are for Signal Financial 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. | Signal Financial Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.6% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (36th 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 $318K in Q2 2026, 6.4% above the same quarter a year earlier ($299K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
11 of 19 compared published fees sit above the Maryland 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 Maryland 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 Maryland, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 10% from Q3 2025 to Q2 2026, to $318K. Its share of revenue, 6.6%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$318K
Signal Financial 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.
Signal Financial Federal Credit Union · $364M 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 |
|---|---|---|---|---|---|---|---|
| Signal Financial Federal Credit Union(this institution) | Kensington, MD | $364M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Aero Federal Credit Union | Glendale, AZ | $364M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Allegiance Federal Credit Union | Oklahoma City, OK | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| C-Plant Federal Credit Union | Paducah, KY | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cardinal Credit Union, Inc. | Mentor, OH | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Class Act Federal Credit Union | Louisville, KY | $365M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Capital Federal Credit Union | York, PA | $368M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Great Basin Federal Credit Union | Reno, NV | $373M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| HUDSON RIVER COMMUNITY | Corinth, NY | $364M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Marshall Community Federal Credit Union | Marshall, MI | $372M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mass Bay Federal Credit Union | South Boston, MA | $367M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mobility Credit Union | Irving, TX | $358M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| My Federal Credit Union | Bloomington, MN | $366M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Panhandle Federal Credit Union | Panama City, FL | $368M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peopleschoice Federal Credit Union | Biddeford, ME | $367M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Piedmont Advantage Credit Union | Winston Salem, NC | $368M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Sharepoint Federal Credit Union | Bloomington, MN | $360M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| St. Jean'S Federal Credit Union | lynn, MA | $373M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Summit Federal Credit Union | Greensboro, NC | $369M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sunbelt Federal Credit Union | Hattiesburg, MS | $366M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Financial Federal Credit Union | Saginaw, MI | $360M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Waterbury Connecticut Teachers Federal Credit Union | Waterbury, CT | $365M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 17 publish this fee(monthly maintenance)
8 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 17 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
Signal Financial 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 Signal Financial 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 | $318K | −$53K | −14.3% |
| Q1 2026 | $371K | −$51K | −12.1% |
| Q4 2025 | $422K | +$67K | +18.9% |
| Q3 2025 | $355K | +$56K | +18.7% |
| Q2 2025 | $299K | −$9K | −2.9% |
| Q1 2025 | $308K | −$43K | −12.3% |
| Q4 2024 | $351K | +$29K | +9.0% |
| Q3 2024 | $322K | +$30K | +10.3% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Signal Financial 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 Signal Financial Federal Credit Union by share.
Amounts from Signal Financial Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (New account closed in the first 6 months) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment to State | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity—Dormant (2 years of no member-initiated activity & balance is > $0) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactivity—Inactive (1 year of no member-initiated activity & balance is > $0) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Paper Statement | $2Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Bad Address—Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Overdraft | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Item—Uncollected Funds | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM—Foreign ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card—Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Card Expedited Fee-UPS | $35Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Debit Card—Foreign Transaction (International) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing Foreign Wire Transfer | $45Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Official Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Official Check Stop Payment | $31Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment—Credit Union Assisted | $31Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment—Online Banking or Automated Telephone System | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Special Collection Item | $31Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy—Deposited or Cleared (Credit Union Assisted) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Official Check Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| VISA Convenience Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay Payments—Expedited Payment | $34.95Not compared: Per-item charge, not monthly | per item | None |
Cash & Deposit | |||
| Return Deposited Item | $32Above the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box—Drilling | $150Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box—Lost Key Replacement | $20Not compared: Box drilling or key fee | Not stated | None |
| Garnishments or Levies Processing | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $10Not compared: Charged per statement; comparison unavailable | per statement | Statement Copy | $10/statement |
| VISA Statement Copy | $10Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip-a-Pay | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
per item
per item
per transaction
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance – ZBA Checking Monthly service charge | $10 | per month | None |
| Inactivity-Inactive (1 year of no member-initiated activity & balance is >$0) | $10 | per month | None |
Overdraft & NSF | |||
| Overdraft | $32 | per item | None |
| Returned Item-Uncollected Funds | $32 | per item | None |
ATM & Card | |||
| Debit Card – Replacement | $10 | per item | None |
| Card Expedited Fee-UPS | $35 | per item | None |
| Debit Card-Foreign Transaction (international) | 1%of the transaction | per transaction | None |
Wire Transfers | |||
| Outgoing Domestic Wire Transfer | $30 | per item | None |
| Outgoing Foreign Wire Transfer | $45 | per item | None |
Check Services | |||
| Stop Payment-Credit Union assisted | $31 | per item | None |
| Stop Payment-Online Banking or Automated Telephone System | $20 | per item | None |
Cash & Deposit | |||
| Return Deposited Item | $32 | per item | None |
Nov 3, 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 Signal Financial Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 3 states (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
| Ashburn, VA | 1 |
| Kensington, MD | 1 |
| Silver Spring, MD | 1 |
| Washington, DC | 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.