Compared with Hawaii
6 of 15
compared fees are above the median.
5 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
36th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Hawaii median
of 15 compared; 5 below, 4 about the same
See the feesFee schedule read Nov 1, 2026
Call-report figures are for Ko`Olau 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 Hawaii median | Published fees above the Hawaii median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Ko`Olau 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 5.4% of revenue, below the 7.2% median of 2,932 credit unions with under $300M 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 $70K in Q2 2026, 1.4% below the same quarter a year earlier ($71K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 15 compared published fees sit above the Hawaii 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 Hawaii medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Hawaii, 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 4.1% from Q3 2025 to Q2 2026, to $70K. Its share of revenue, 5.4%, is below the 7.2% median for credit unions with under $300M in assets.
$70K
Ko`Olau 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.
Ko`Olau Federal Credit Union · $104M 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 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Ko`Olau Federal Credit Union(this institution) | Kailua, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Advanced Financial Federal Credit Union | New Providence, NJ | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Advantage Federal Credit Union | Newton, IA | $106M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Advantage Financial Federal Credit Union | Washington, DC | $103M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Archer Cooperative Federal Credit Union | Archer, NE | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Cherokee Strip Federal Credit Union | Ponca City, OK | $106M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Civic Central Federal Credit Union | Jefferson City, MO | $105M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Star Federal Credit Union | Elyria, OH | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Compass Federal Credit Union | Oswego, NY | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Connect Credit Union | Fort lauderdale, FL | $103M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Crossroads Financial Federal Credit Union | Portland, IN | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | 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 |
| First Watch Federal Credit Union | Abilene, TX | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Seasons Federal Credit Union | Opelika, AL | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Glendale Federal Credit Union | Glendale, CA | $103M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greater Chautauqua Federal Credit Union | Falconer, NY | $102M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Federal Credit Union | Honolulu, HI | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| I Am Federal Credit Union | New York, NY | $103M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Marin County Federal Credit Union | San Rafael, CA | $104M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Midland Federal Credit Union | Urbandale, IA | $101M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Money One Federal Credit Union | Largo, MD | $105M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Onenebraska Federal Credit Union | Columbus, NE | $107M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Serve Federal Credit Union | Des Moines, IA | $101M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Local Federal Credit Union | Sterling Heights, MI | $107M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Valley 1St Community Federal Credit Union | Monessen, PA | $107M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Vue Community Federal Credit Union | Bismarck, ND | $106M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $5 among 8 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 31, 2026.
Monthly maintenance fee in dollars, one mark per institution
Ko`Olau 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 31, 2026. Total assets from FDIC and NCUA records.
Call reports for Ko`Olau 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 | $70K | −$4K | −5.4% |
| Q1 2026 | $74K | −$2K | −2.6% |
| Q4 2025 | $76K | +$3K | +4.1% |
| Q3 2025 | $73K | +$2K | +2.8% |
| Q2 2025 | $71K | +$1K | +1.4% |
| Q1 2025 | $70K | −$9K | −11.4% |
| Q4 2024 | $79K | +$1K | +1.3% |
| Q3 2024 | $78K | +$6K | +8.3% |
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, Ko`Olau 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 Ko`Olau Federal Credit Union by share.
Amounts from Ko`Olau Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour
per month
per item
per item
per item
per item
per item
per item · per page
per page
per item
per item
per transaction
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure (if account closed within 13 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account (after 12 months of no account activity) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Research or Account Reconciliation | $30Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
| Returned Mail | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Overdraft | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft (OD) | $29Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Items Returned for Insufficient Funds (NSF) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
ATM & Card | |||
| ATM Withdrawals/Balance Inquiries | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| ATM or Debit Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| International Transaction Fee | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Bank Wire (outgoing) Domestic | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Bank Wire (incoming) | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Credit Union Cashier’s Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Money Orders | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment (all items) | $29Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $5Above the U.S. middle 50% ($1 to $4 nationally) | per item | per page |
| Temporary Checks (4 checks per page) | $5Not compared: Charged per page; comparison unavailable | per page | None |
| On-Us Check Cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Copy of Check or Statement | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Same Day Bill Pay | $9.95Not compared: Per-transaction charge, not monthly | per transaction | None |
Cash & Deposit | |||
| Coin Machine | 4% | Not stated | None |
Other Fees | |||
| Copy of Credit Union Documents | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Skip a Payment (1 time per year) for loans in good standing- Consumer and Non-Real Estate Loans | $35Not compared: Annual charge, not per item | per year | 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 Ko`Olau Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 2 states (June 30, 2026)
Map coming soon
We are placing each office on the map from its address. 0 of 4 are placed so far; the map appears once most are.
Cities with the most offices
| Kailua, HI | 2 |
| Brookfield, WI | 1 |
| Honolulu, HI | 1 |
Largest competitors nearby
Local market: Honolulu county, HI, around its headquarters.
| 34 in its local market | Deposit share |
|---|---|
| First Hawaiian Bank | 32.6% |
| Bank of Hawaii | 32% |
| American Savings Bank, National Association | 14.6% |
| Central Pacific Bank | 12.2% |
| Bank of Hope | 3.2% |
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.