Compared with Colorado
7 of 22
compared fees are above the median.
5 below, 10 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
56th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 22 compared; 5 below, 10 about the same
See the feesFee schedule read Feb 17, 2026
Call-report figures are for Electrical 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Electrical Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Feb 17, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (56th 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 $56K in Q2 2026, 1.8% below the same quarter a year earlier ($57K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
7 of 22 compared published fees sit above the Colorado 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 Colorado medians for fees published by banks and credit unions.
Non-Network ATM
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Colorado, 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 1.8% from Q3 2025 to Q2 2026, to $56K. Its share of revenue, 8.1%, is above the 7.2% median for credit unions with under $300M in assets.
$56K
Electrical 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.
Electrical Federal Credit Union · $54M 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 15 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Electrical Federal Credit Union(this institution) | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bar-Cons Federal Credit Union | Columbus, IN | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brooklyn Cooperative Federal Credit Union | Brooklyn, NY | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Charlotte Fire Department Federal Credit Union | Charlotte, NC | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Forge Federal Credit Union | Upper Darby, PA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hopewell Chemical Federal Credit Union | Hopewell, VA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Inland Valley Federal Credit Union | fontana, CA | $54M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| L. A. Electrical Workers Credit Un. Federal Credit Union | Pasadena, CA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lancaster Red Rose Federal Credit Union | Leola, PA | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lifetime Federal Credit Union | Richardson, TX | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newport News Mun. Emp Credit Union | Newport News, VA | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Federal Credit Union | Philadelphia, PA | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Post Office Employees' Federal Credit Union | Metairie, LA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Employees Federal Credit Union | Spring Valley, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spirit Of America Federal Credit Union | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Total Choice Federal Credit Union | Hahnville, LA | $54M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Northwest Federal Credit Union | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Van Cortlandt Cooperative Federal Credit Union | Bronx, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wayne County Community Federal Credit Union | Smithville, OH | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Westminster Federal Credit Union | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Yuma County Federal Credit Union | Yuma, CO | $53M | 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 · 12 publish this fee(out-of-network atm)
13 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $1, against a peer median of $1.50 among 12 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 1, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm 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 Electrical 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 | $56K | −$1K | −1.8% |
| Q1 2026 | $57K | −$6K | −9.5% |
| Q4 2025 | $63K | +$6K | +10.5% |
| Q3 2025 | $57K | $0 | 0.0% |
| Q2 2025 | $57K | +$3K | +5.6% |
| Q1 2025 | $54K | −$10K | −15.6% |
| Q4 2024 | $64K | +$2K | +3.2% |
| Q3 2024 | $62K | +$8K | +14.8% |
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, Electrical 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 Electrical Federal Credit Union by share.
Amounts from Electrical Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
| Dormant Account Fee | $5Not compared: Quarterly charge, not monthly | per quarter | None |
| Paper Statement Fee | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per item | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Out-of-Network ATM Fee | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per transaction | None |
| Plastic Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Plastic Card Fee | $45Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
Wire Transfers | |||
| Out-Going Domestic Wire | $30Above the U.S. middle 50% ($20 to $25 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| MoneyGram Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| ACH/Check Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| On-Us Check Cashing/Non | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Canadian Check Deposit | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| CU Check Image Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Member Check Image Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination Fee | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Returned Item | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Account Services | |||
| Non-Member Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Garnishments | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Members | Subordination Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
| Subordination Fee | $100Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
Lending Fees | |||
| Visa Credit Card Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Fax/Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Statement Copy/Reprint | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Extension | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Returned Loan Payment | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-A-Pay Fee (Holiday) | $30Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Feb 17, 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 Electrical Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Arvada, CO | 1 |
| Hoover, AL | 1 |
Largest competitors nearby
Local market: Jefferson county, CO, around its headquarters.
| 47 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 30.6% |
| Wells Fargo Bank, National Association | 19.8% |
| JPMorgan Chase Bank, National Association | 13.5% |
| U.S. Bank National Association | 12.6% |
| Solera National Bank | 7.8% |
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.