River Valley Community Federal Credit Union

Headquarters: Camden, Arkansas
Charter: Credit Union
Assets: $64.3M
Fed district: St. Louis
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 29, 2026.

Overview

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
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 29, 2026

How these figures are measured

Call-report figures are for River Valley Community 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) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	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.	River Valley Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 29, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: River Valley Community Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $128K in Q2 2026, 10% above the same quarter a year earlier ($116K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
River Valley Community Federal Credit Union: $30
River Valley Community Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
River Valley Community Federal Credit Union: $10
River Valley Community Federal Credit Union: $10
U.S. median: no median
Wire Transfer (Domestic Out)
River Valley Community Federal Credit Union: $20
River Valley Community Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 29, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Arkansas: Banks and credit unions headquartered in Arkansas that publish the fee.
St. Louis district: Banks and credit unions headquartered in the St. Louis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 4.1% from Q3 2025 to Q2 2026, to $128K.

Fee income, Q2 2026

$128K

$123KQ3 2025

$132KQ4 2025

$121KQ1 2026

$128KQ2 2026

Against the median

River Valley Community Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

River Valley Community Federal Credit Union · $64M 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 20 states.

Credit unions only
$63M to $66M in assets
Headquartered in 20 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
River Valley Community Federal Credit Union(this institution)	Camden, AR	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Banner Federal Credit Union	Phoenix, AZ	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bopti Federal Credit Union	San Pedro, CA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Calcasieu Teachers And Employees Federal Credit Union	Lake Charles, LA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cranberry Federal Credit Union	West Wareham, MA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Richmond Incorporat	Richmond, VA	$65M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Destinations Credit Union	Baltimore, MD	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Doches Federal Credit Union	Nacogdoches, TX	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Five Star Of Maryland Federal Credit Union	Baltimore, MD	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Fort Billings Federal Credit Union	Paulsboro, NJ	$64M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Financial Federal Credit Union	New Haven, CT	$64M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln Park Community Federal Credit Union	Lincoln Park, MI	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lion'S Share Federal Credit Union	Salisbury, NC	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Madison Federal Credit Union	Madison, WI	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members Preferred Federal Credit Union	Idaho Falls, ID	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Millard County Federal Credit Union	Fillmore, UT	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morehead Community Federal Credit Union	Morehead, KY	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Morton Lane Federal Credit Union	Buffalo, NY	$63M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
One Vision Federal Credit Union	Clarksville, IN	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Perfect Circle Federal Credit Union	Hagerstown, IN	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rimrock Federal Credit Union	Billings, MT	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Rolling F Federal Credit Union	Turlock, CA	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sacred Heart Parish Hallettsville Federal Credit Union	Hallettsville, TX	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
South Bend Firefighters Federal Credit Union	South Bend, IN	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane City Federal Credit Union	Spokane, WA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Topmark Federal Credit Union	Cridersville, OH	$63M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	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.

Fee type

Peer pricing snapshot

River Valley Community Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $3.98 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

River Valley Community Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

River Valley Community Fe…Peer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for River Valley Community Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $128K
vs prior quarter: +$7K+5.8%; from Q1 2026
vs a year earlier: +$12K+10.3%; from Q2 2025
vs start of range: +$8K+6.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: River Valley Community Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$128K	+$7K	+5.8%
Q1 2026	$121K	−$11K	−8.3%
Q4 2025	$132K	+$9K	+7.3%
Q3 2025	$123K	+$7K	+6.0%
Q2 2025	$116K	−$7K	−5.7%
Q1 2025	$123K	−$1K	−0.8%
Q4 2024	$124K	+$4K	+3.3%
Q3 2024	$120K	−$5K	−4.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from River Valley Community Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing$20
Dormant Account$5
per month
Account Reconciliation$25
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour
Primary Share Account Excessive Withdrawal$20
per item
Missing Address/Return Statement$5
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

ACH Overdraft$30
Return Item$10
per item

ATM & Card

Replacement ATM Card$10

Wire Transfers

Wire Transfer: Outgoing$20
per item
Wire Transfer: Incoming$10
per item

Check Services

Teller’s Check$2
per item
Items Sent for Collection$10
per item
Copy of Share Draft$5
per item

Cash & Deposit

Deposited Item Return$10
per item

Account Services

Drilling of Boxes$150
Not compared: Box drilling or key fee
Garnishment/Levy$30
Legal Process$30

Lending Fees

Loan Cancellation$25

Other Fees

Fax: Member$4
Fax: Nonmember$5
per item
Photocopy$0.50
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
Account Closing	$20	Not stated	None
Dormant Account	$5	per month	None
Account Reconciliation	$25	Not stated	None
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Primary Share Account Excessive Withdrawal	$20	per item	None
Missing Address/Return Statement	$5Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
ACH Overdraft	$30	Not stated	None
Return Item	$10	per item	None
ATM & Card
Replacement ATM Card	$10	Not stated	None
Wire Transfers
Wire Transfer: Outgoing	$20	per item	None
Wire Transfer: Incoming	$10	per item	None
Check Services
Teller’s Check	$2	per item	None
Items Sent for Collection	$10	per item	None
Copy of Share Draft	$5	per item	None
Cash & Deposit
Deposited Item Return	$10	per item	None
Account Services
Drilling of Boxes	$150Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$30	Not stated	None
Legal Process	$30	Not stated	None
Lending Fees
Loan Cancellation	$25	Not stated	None
Other Fees
Fax: Member	$4	Not stated	None
Fax: Nonmember	$5	per item	None
Photocopy	$0.50Not compared: Charged per page; comparison unavailable	per page	None

Correct a fee source

Oct 29, 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

Get an email when River Valley Community Federal Credit Union's foreign transaction changes in our data

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