Fees from its schedule are under review and appear here once review is done.
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Total assets
Q3 2025, quarter end
NCUA 5300 call report · Sep 30, 2025
Revenue
Q3 2025, one quarter
NCUA 5300 call report · Sep 30, 2025
Fee income
Q3 2025, one quarter
NCUA 5300 call report · Sep 30, 2025
Fee-income share of revenue
99th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Sep 30, 2025
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Apr 3, 2026
Call-report figures are for Cencap 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 | Q3 2025 Quarter ended Sep 30, 2025 | Oct 6, 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 | Q3 2025 Quarter ended Sep 30, 2025 | Oct 6, 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 | Q3 2025 Quarter ended Sep 30, 2025 | Oct 6, 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 3,074 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) | Q3 2025 Year to date | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cencap Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Apr 3, 2026 |
Fee income by quarter
Q2 2023 to Q3 2025, standalone quarters
Fee income was 33% of revenue, above the 7.2% median of 3,074 credit unions with under $300M in assets (99th 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 $233K in Q3 2025, 15% below the same quarter a year earlier ($273K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
Call reports for Cencap Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q4 2023 to Q3 2025, standalone quarters · 63 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q3 2025 | $233K | −$69K | −22.8% |
| Q2 2025 | $302K | +$19K | +6.7% |
| Q1 2025 | $283K | +$33K | +13.2% |
| Q4 2024 | $250K | −$23K | −8.4% |
| Q3 2024 | $273K | +$104K | +61.5% |
| Q2 2024 | $169K | −$1K | −0.6% |
| Q1 2024 | $170K | −$4K | −2.3% |
| Q4 2023 | $174K | −$28K | −13.9% |
Financial cohort: 3,361 credit unions with under $300M in assets filing for Q3 2025; 3,074 reported a share above 0% and are counted, Cencap 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 Cencap Federal Credit Union by share.
They stay out of every comparison until review is done.
per item
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per month · 12 months inactive
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| Fee | Amount | Basis | Note |
|---|---|---|---|
ATM & CardUnder review | |||
| Card replacement Rush (audience not stated, treated as personal) | $45 | per item | None |
Other feesUnder review | |||
| Bad address fee (audience not stated, treated as personal) | $5 | per item | None |
| Consumer Loan Late Fee (audience not stated, treated as personal) | $15 | per item | None |
| Deposit return item fee (audience not stated, treated as personal) | $20 | per item | None |
| Inactive account fee (audience not stated, treated as personal) | $5 | per month | 12 months inactive |
| Incoming domestic wire fee (audience not stated, treated as personal) | $10 | per item | None |
| Incoming foreign wire fee (audience not stated, treated as personal) | $20 | per item | None |
| Official check in excess of one (audience not stated, treated as personal) | $5 | per item | None |
| Outgoing domestic wire fee (audience not stated, treated as personal) | $20 | per item | None |
| Outgoing foreign wire fee (audience not stated, treated as personal) | $40 | per item | None |
| Research of account (audience not stated, treated as personal) | $25 | varies | per hour |
| Statement copy fee (audience not stated, treated as personal) | $10 | per item | None |
| Stop payment on official check (audience not stated, treated as personal) | $25 | per item | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Apr 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.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows