Compared with Kansas
5 of 18
compared fees are above the median.
6 below, 7 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
46th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Kansas median
of 18 compared; 6 below, 7 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for United Northwest 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 Kansas median | Published fees above the Kansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | United Northwest 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 6.6% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (46th 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 $35K in Q2 2026, 20% below the same quarter a year earlier ($44K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 18 compared published fees sit above the Kansas 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 Kansas medians for fees published by banks and credit unions.
Monthly Maintenance
Compared at $3.50, the middle of its prices
NSF / Returned Item
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Kansas, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 2.8% from Q3 2025 to Q2 2026, to $35K. Its share of revenue, 6.6%, is below the 7.2% median for credit unions with under $300M in assets.
$35K
United Northwest 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. *Monthly maintenance: Listed at $2 to $5; we compare the midpoint.
United Northwest Federal Credit Union · $55M in assets
Credit unions in Kansas
Credit unions headquartered in the same state, for comparing published prices.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| United Northwest Federal Credit Union(this institution) | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| 1St Kansas Federal Credit Union | Topeka, KS | $12M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ark Valley Federal Credit Union | Arkansas City, KS | $57M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Azura Federal Credit Union | Topeka, KS | $852M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| B&V Federal Credit Union | Overland Park, KS | $43M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| C & R Federal Credit Union | Clay Center, KS | $4M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Campus Federal Credit Union | Wichita, KS | $41M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Central Kansas Education Federal Credit Union | Salina, KS | $6M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Credit Union of America | Wichita, KS | $1.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Credit Union of Emporia | Emporia, KS | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Dillon Federal Credit Union | Hutchinson, KS | $80M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Farmway Federal Credit Union | Beloit, KS | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Frontier Community Federal Credit Union | Leavenworth, KS | $210M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Golden Plains Federal Credit Union | Garden City, KS | $1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heartland Federal Credit Union | Hutchinson, KS | $726M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hutchinson Government Employees Federal Credit Union | Hutchinson, KS | $20M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Hutchinson Postal & Community Federal Credit Union | Hutchinson, KS | $5M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| K.U.M.C. Federal Credit Union | Shawnee, KS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kan Colo Federal Credit Union | Hoisington, KS | $1M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kansas Teachers Community Federal Credit Union | Pittsburg, KS | $125M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Kc Fairfax Federal Credit Union | Kansas City, KS | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Mainstreet Federal Credit Union | Lenexa, KS | $703M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Mcpherson Co-Op Federal Credit Union | Mcpherson, KS | $44M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mid American Federal Credit Union | Wichita, KS | $532M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Midwest Regional Federal Credit Union | Kansas City, KS | $72M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Morton Federal Credit Union | South Hutchinson, KS | $5M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Panhandle Federal Credit Union | Wellington, KS | $62M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Peoples Choice Federal Credit Union | Coffeyville, KS | $7M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Reliance Federal Credit Union | Kansas City, KS | $25M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sunflower Community Federal Credit Union | Marysville, KS | $33M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| U S P L K Employees Federal Credit Union | Leavenworth, KS | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wheat State Federal Credit Union | Wichita, KS | $22M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| White Eagle Federal Credit Union | Augusta, KS | $199M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
33 peers selected · 13 publish this fee(monthly maintenance)
20 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $3.50, the middle of its two prices, against a peer median of $5 among 13 publishing peers.
Its two checking prices are $2 and $5.
$3.50 is a comparison price, not a fee anyone is charged.
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
Against this institution's monthly maintenance fee
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 United Northwest 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 | $35K | −$11K | −23.9% |
| Q1 2026 | $46K | +$4K | +9.5% |
| Q4 2025 | $42K | +$6K | +16.7% |
| Q3 2025 | $36K | −$8K | −18.2% |
| Q2 2025 | $44K | +$8K | +22.2% |
| Q1 2025 | $36K | +$8K | +28.6% |
| Q4 2024 | $28K | −$14K | −33.3% |
| Q3 2024 | $42K | +$5K | +13.5% |
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, United Northwest 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 United Northwest Federal Credit Union by share.
Amounts from United Northwest Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per year
per month
per hour · Research or Reconcile Account(s) (per hour with 1 hour minimum) $25.00
per item
per item
per item
per item
one time
one time
per item
per month
per year
per year
per year
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Now Account monthly maintenance fee (If balance falls below $2,500.00 within the month) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Share Draft monthly maintenance fee (If balance falls below $200.00 within the month) | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early close Fee (Accounts open and closed in less than a year) | $20Not compared: Annual charge, not per item | per year | None |
| Dormant Account Fee (Account inactive with no contact from member for 4 years) - Charged Monthly | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research or Reconcile Account(s) (per hour with 1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Research or Reconcile Account(s) (per hour with 1 hour minimum) $25.00 |
Overdraft & NSF | |||
| Insufficient Funds Fee - If Account is allowed to go overdrawn (at our discretion) - per presentment^ | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Negative Balance Fee (Lowering savings account below required amount - per occurrence) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
ATM & Card | |||
| Instant Issue Replacement Debit Card (printed in office) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Debit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Incoming Wire Fee (To receive a wire from another institution) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier's Checks | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Teller Check from members account made payable to a third party | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Pay Fee (Check or ACH) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Check Cashing Fee (Non member cashing a check through a member account) per check | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Collection Fee (Any item sent to attorneys for Collection) | $15Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copy Fee (per check) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| CU Initiated ACH Origination Fee (Set-up by Credit Union - per origination fee) | $1Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| CU Initiated ACH Origination Set-up Fee (Set-up by Credit Union - one time origination) | $5Inside the U.S. middle 50% ($5 to $15 nationally) | one time | None |
| Online Banking ACH Origination Set-up Fee (Set-up by member via Mobicint - one time origination) | $3Below the U.S. middle 50% ($5 to $15 nationally) | one time | None |
| Online Banking ACH Origination Transaction Fee (Set-up by member via Mobicint- per origination) | $0.50Below the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Same day ACH Origination Fee (Origination sent and received on same business day) | $8Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH and Draft Insufficient Funds Return Fee - per presentment | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
| Online Bill Pay Fee (per month) | $2Inside the U.S. middle 50% ($0 to $6 nationally) | per month | None |
| Online Bill Pay Revocation Fee (Services cancelled by CU due to abuse/misuse) | $5Inside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Member Coin Counting Fee | 10% | Not stated | None |
| Non Member Coin Counting Fee | 15% | Not stated | None |
Account Services | |||
| Annual Rent for Large (10" X 9.5" X 21") Safe Deposit Box | $36Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for Medium (9.75" X 4.5" X 21") Safe Deposit Box | $18Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Annual Rent for Small (4.75" X 4.75" X 21") Safe Deposit Box | $12Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Lock Drilling Fee (If both keys to a Safe Deposit Box are lost and the lock needs drilled) | $250Not compared: Box drilling or key fee | Not stated | None |
| Lock Replacement Fee (If a key to a Safe Deposit Box is lost and the locks need replaced) | $75Not compared: Box drilling or key fee | Not stated | None |
| Garnishment/Levy Fee | $15Below the U.S. middle 50% ($30 to $87.50 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Card Activation Fee | $4Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement (If statement is mailed the fee is per page - otherwise the fee is per month) | $3Not compared: Monthly charge, not per item | per month | None |
| Fax - incoming or outgoing (per page) | $1Not compared: Charged per page; comparison unavailable | per page | Fax - incoming or outgoing (per page) $1.00 |
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 United Northwest 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
| Norton, KS | 1 |
| Oberlin, KS | 1 |
Largest competitors nearby
Local market: Norton county, KS, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| The First State Bank | 31.9% |
| Mid-America Bank | 22.4% |
| SOLUTIONS NORTH BANK | 21.8% |
| The Bank | 14.2% |
| Equity Bank | 9.7% |
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.