Compared with Washington
2 of 16
compared fees are above the median.
9 below, 5 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
61st percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Washington median
of 16 compared; 9 below, 5 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Cheney 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 Washington median | Published fees above the Washington median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Cheney 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 8.8% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (61st 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 $150K in Q2 2026, 1.3% below the same quarter a year earlier ($152K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 16 compared published fees sit above the Washington median; 9 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 Washington medians for fees published by banks and credit unions.
Monthly Maintenance
Share Value
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Washington, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 3.2% from Q3 2025 to Q2 2026, to $150K. Its share of revenue, 8.8%, is above the 7.2% median for credit unions with under $300M in assets.
$150K
Cheney 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.
Cheney Federal Credit Union · $148M 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 13 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Cheney Federal Credit Union(this institution) | Cheney, WA | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buffalo Metropolitan Federal Credit Union | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Celco Community Federal Credit Union | Narrows, VA | $144M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Citymark Federal Credit Union | Plains, PA | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community First Federal Credit Union | Lakeview, MI | $149M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Consumers Professional Federal Credit Union | Lansing, MI | $150M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| East County Schools Federal Credit Union | El Cajon, CA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Fidelis Catholic Federal Credit Union | Arvada, CO | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Builders Federal Credit Union | Kokomo, IN | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Financialedge Federal Credit Union | Bay City, MI | $147M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida West Coast Federal Credit Union | Brandon, FL | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Erie Federal Credit Union | Orchard Park, NY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Green Mountain Federal Credit Union | South Burlington, VT | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hawaii County Employees Federal Credit Union | Hilo, HI | $148M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Jm Associates Federal Credit Union | Jacksonville, FL | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lenco Federal Credit Union | Adrian, MI | $145M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maui Federal Credit Union | Kahului, HI | $146M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Siskiyou Federal Credit Union | Yreka, CA | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Syracuse Fire Department Employees Federal Credit Union | Syracuse, NY | $147M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| The District Federal Credit Union | Aurora, CO | $148M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Town Of Hempstead Employees Federal Credit Union | North Baldwin, NY | $149M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trius Federal Credit Union | Kearney, NE | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tru Fi Federal Credit Union | Macclenny, FL | $146M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Xplore Federal Credit Union | Metairie, LA | $147M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ 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
Its published price is $5, against a peer median of $3 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
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 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Cheney 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 | $150K | +$8K | +5.6% |
| Q1 2026 | $142K | −$11K | −7.2% |
| Q4 2025 | $153K | −$2K | −1.3% |
| Q3 2025 | $155K | +$3K | +2.0% |
| Q2 2025 | $152K | +$11K | +7.8% |
| Q1 2025 | $141K | −$4K | −2.8% |
| Q4 2024 | $145K | +$2K | +1.4% |
| Q3 2024 | $143K | +$3K | +2.1% |
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, Cheney 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 Cheney Federal Credit Union by share.
Amounts from Cheney Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per item
per item
per item
per item
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Share Draft Checking Service Monthly service charge | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Membership Closure | $20Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| NSF ( Non-Sufficient Funds) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Checking Overdraft/Transfer | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement of Lost Debit or Credit Card | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| International Wire Transfer | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (Checks and ACH) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Drilling of Boxes | $150Not compared: Box drilling or key fee | Not stated | None |
| Replace One Lost Key | $20Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10″X10″X24″ | $65Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3″X10″X24″ | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3″X5″X24″ | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5″X10″X24″ | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5″X5″X24″ | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
Lending Fees | |||
| Consumer Loan Late Fee | $20Not compared: Monthly charge, not per item | per month | None |
| Mortgage Loan Late Fee | $18Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Credit Report Fee | $20Below the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| VISA Gift Card | $2Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Loan Payment by Debit Card by Phone | $10Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Loan Payment by Debit Card Online | $5Below the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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 Cheney 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
| Cheney, WA | 1 |
| Spokane, WA | 1 |
Largest competitors nearby
Local market: Spokane county, WA, around its headquarters.
| 28 in its local market | Deposit share |
|---|---|
| Washington Trust Bank | 32.9% |
| Wells Fargo Bank, National Association | 12% |
| U.S. Bank National Association | 10.6% |
| JPMorgan Chase Bank, National Association | 10.2% |
| Banner Bank | 9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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