Compared with Ohio
8 of 18
compared fees are above the median.
6 below, 4 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
30th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Ohio median
of 18 compared; 6 below, 4 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Cincinnati Interagency 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. | Cincinnati Interagency Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 4.5% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (30th 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 $21K in Q2 2026, 11% above the same quarter a year earlier ($19K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 18 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.
NSF / Returned Item
Overdraft (OD)
Stop Payment
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 8.7% from Q3 2025 to Q2 2026, to $21K. Its share of revenue, 4.5%, is below the 7.2% median for credit unions with under $300M in assets.
$21K
Cincinnati Interagency 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.
Cincinnati Interagency Federal Credit Union · $31M 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 22 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cincinnati Interagency Federal Credit Union(this institution) | Cincinnati, OH | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bakersfield City Employees Federal Credit Union | Bakersfield, CA | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Community Financial Services Federal Credit Union | Roselle, NJ | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cusa Federal Credit Union | Covington, LA | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| De Soto Mo Pac Federal Credit Union | De Soto, MO | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Elca Federal Credit Union | Chicago, IL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Etma Federal Credit Union | Louisville, TN | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ferko Md Federal Credit Union | Frederick, MD | $30M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Financial Health Federal Credit Union | Indianapolis, IN | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gates Chili Federal Credit Union | Rochester, NY | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Gateway Federal Credit Union | Springfield, OR | $31M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Huntington C & O Railway Employees Federal Credit Union | Huntington, WV | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iowa Heartland Federal Credit Union | Mason City, IA | $30M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| 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 |
| Kenowa Community Federal Credit Union | Wyoming, MI | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Leominster Employees Federal Credit Union | Leominster, MA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lynchburg Municipal Employees Federal Credit Union | Lynchburg, VA | $31M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Meridian Mississippi Ang Federal Credit Union | Meridian, MS | $31M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mills42 Federal Credit Union | Lowell, MA | $32M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Neighborhood Community Federal Credit Union | Omaha, NE | $31M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Pinpoint Federal Credit Union | Milton, PA | $30M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Postal Family Federal Credit Union | Fargo, ND | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tennessee Employees Federal Credit Union | Nashville, TN | $31M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texas Community Federal Credit Union | Kingsville, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Energy Federal Credit Union | Humble, TX | $30M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Walton County Teachers Federal Credit Union | Defuniak Springs, FL | $30M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 10 publish this fee(monthly maintenance)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 10 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 19, 2026.
Monthly maintenance fee in dollars, one mark per institution
Cincinnati Interagency 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 19, 2026. Total assets from FDIC and NCUA records.
Call reports for Cincinnati Interagency 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 | $21K | +$2K | +10.5% |
| Q1 2026 | $19K | −$2K | −9.5% |
| Q4 2025 | $21K | −$2K | −8.7% |
| Q3 2025 | $23K | +$4K | +21.1% |
| Q2 2025 | $19K | +$4K | +26.7% |
| Q1 2025 | $15K | −$4K | −21.1% |
| Q4 2024 | $19K | +$3K | +18.8% |
| Q3 2024 | $16K | −$3K | −15.8% |
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, Cincinnati Interagency 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 Cincinnati Interagency Federal Credit Union by share.
Amounts from Cincinnati Interagency Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per quarter
per hour
per hour
per item
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 | |||
| Account Closing within 6 Months | $5Below the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account-no activity on account for a 1-year period | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research (plus storage retrieval fees if applicable) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawals-over 3 per month | $20Above the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Overdraft | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF ATM Debit/Recurring Transaction | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Debit Card Replacement | $25Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Check Services | |||
| Cashiers Check Payable to Accountholder, in office Payable to Accountholder, mailed to home Payable to Third Party | eac | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Cashiers Check Payable to Accountholder, in office Payable to Accountholder, mailed to home Payable to Third Party: eac | $2Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Emergency/Starter Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Cashing for Non-Member (limited to certain types of checks) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item Incoming | $25Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Foreign Item Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Copy of Check-paid in advance | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| NSF ACH Debit Paid or Returned | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| NSF Check/ACH Debit Paid or Returned | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return Drawn on Third Party Drawn on Your Account at Another Institution Drawn on your Account at Another | $15Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| HELOC Subordination Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Account Verification | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Lending Fees | |||
| Loan Cancellation/No Show/Reprocessing | $25Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 26, 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 Cincinnati Interagency 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
| Cincinnati, OH | 2 |
Largest competitors nearby
Local market: Hamilton, Clermont and Warren counties, OH, around its headquarters.
| 61 in its local market | Deposit share |
|---|---|
| U.S. Bank National Association | 56.8% |
| Fifth Third Bank, National Association | 26.1% |
| PNC Bank, National Association | 4.7% |
| First Financial Bank | 2.5% |
| The Huntington National Bank | 2.2% |
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.