Oc Federal Credit Union

Headquarters: Garfield Hts, Ohio
Charter: Credit Union
Assets: $314.9M
Fed district: Cleveland

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

Source: its fee schedule, read Oct 9, 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 9, 2026

How these figures are measured

Call-report figures are for Oc 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.	Oc Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 9, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Oc 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 $199K in Q2 2026, 16% above the same quarter a year earlier ($172K).
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.

Monthly Maintenance
Can be waived with an average daily balance of $2,500 or more.
Oc Federal Credit Union: $9.95
Oc Federal Credit Union: $9.95
U.S. median: no median
Overdraft (OD)
Oc Federal Credit Union: $30
Oc Federal Credit Union: $30
U.S. median: no median
Wire Transfer (Domestic Out)
Oc Federal Credit Union: $25
Oc Federal Credit Union: $25
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 9, 2026View sources

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.

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).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland 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 28% from Q3 2025 to Q2 2026, to $199K.

Fee income, Q2 2026

$199K

$155KQ3 2025

$155KQ4 2025

$172KQ1 2026

$199KQ2 2026

Against the median

Oc 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

Oc Federal Credit Union · $315M 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.

Credit unions only
$304M to $326M in assets
Headquartered in 19 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
Oc Federal Credit Union(this institution)	Garfield Hts, OH	$315M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
360 Federal Credit Union	Windsor Locks, CT	$324M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Access Federal Credit Union	Clinton, NY	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dannemora Federal Credit Union	Plattsburgh, NY	$320M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Evolve Federal Credit Union	El Paso, TX	$323M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Fall River Municipal Federal Credit Union	Fall River, MA	$316M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Glass City Federal Credit Union	Maumee, OH	$326M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Harvesters Federal Credit Union	Cantonment, FL	$317M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Intrepid Federal Credit Union	Helena, MT	$311M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Jetstream Federal Credit Union	Miami Lakes, FL	$307M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lookout Federal Credit Union	Pocatello, ID	$314M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Members1St Community Federal Credit Union	Marshalltown, IA	$311M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
New Horizons Federal Credit Union	Mobile, AL	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northwest Plus Federal Credit Union	Everett, WA	$315M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Pacific N W Federal Credit Union	Portland, OR	$317M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Peninsula Community Federal Credit Union	Shelton, WA	$304M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
People'S Alliance Federal Credit Union	Hauppauge, NY	$322M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Preferred Federal Credit Union	Grand Rapids, MI	$318M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Riverfront Federal Credit Union	Wyomissing, PA	$320M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Riverland Federal Credit Union	New Orleans, LA	$320M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Santa Barbara Teachers Federal Credit Union	Santa Barbara, CA	$308M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Secny Federal Credit Union	Syracuse, NY	$323M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Soo Co-Op Federal Credit Union	Sault Sainte Marie, MI	$324M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Valley Communities Federal Credit Union	Mosinee, WI	$307M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
Vapr Federal Credit Union	San Juan, PR	$316M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Zia Federal Credit Union	Los Alamos, NM	$308M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 12 publish this fee(monthly maintenance)

13 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $4.95 (99%) above the median of similar-sized credit unions.

Its published price is $9.95, against a peer median of $5 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 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Oc Federal Credit UnionPeer (equal prices stack)Peer median

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.

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 Oc 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: $199K
vs prior quarter: +$27K+15.7%; from Q1 2026
vs a year earlier: +$27K+15.7%; from Q2 2025
vs start of range: +$38K+23.6%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Oc 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	$199K	+$27K	+15.7%
Q1 2026	$172K	+$17K	+11.0%
Q4 2025	$155K	$0	0.0%
Q3 2025	$155K	−$17K	−9.9%
Q2 2025	$172K	−$57K	−24.9%
Q1 2025	$229K	+$60K	+35.5%
Q4 2024	$169K	+$8K	+5.0%
Q3 2024	$161K	+$34K	+26.8%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Monthly maintenance fee$9.95
per month
Dormant Account$5
per month
Escheat$25
Monthly paper statements$4
per month
Paper Statement$4
per item
Undeliverable Mail$7
Not compared: Per-item charge, not monthly
per item

Overdraft & NSF

Overdraft (OD)$30
per item

ATM & Card

Non-Network ATM$5
Not compared: Monthly charge, not per item
per month
Card Replacement$20
per item
Card Replacement Sent$35

Wire Transfers

Wire Transfer (Outgoing)$25
per item

Check Services

Money Order$5
per item
Stop Payment$30
per item
Member Check Cashing$30
per item
Third Party Check Cashing$20
per item

Cash & Deposit

Deposit Item Return$30
per item

Account Services

Garnishment$40

Retirement & IRA

IRA Transfer Out$25

Gift & Prepaid Cards

Gift Cards Purchase$3
per item

Other Fees

Paper Copy of Statement$8
per item
Photocopy$1
per item
Lien Release Recording$48

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$9.95	per month	None
Dormant Account	$5	per month	None
Escheat	$25	Not stated	None
Monthly paper statements	$4	per month	None
Paper Statement	$4	per item	None
Undeliverable Mail	$7Not compared: Per-item charge, not monthly	per item	None
Overdraft & NSF
Overdraft (OD)	$30	per item	None
ATM & Card
Non-Network ATM	$5Not compared: Monthly charge, not per item	per month	None
Card Replacement	$20	per item	None
Card Replacement Sent	$35	Not stated	None
Wire Transfers
Wire Transfer (Outgoing)	$25	per item	None
Check Services
Money Order	$5	per item	None
Stop Payment	$30	per item	None
Member Check Cashing	$30	per item	None
Third Party Check Cashing	$20	per item	None
Cash & Deposit
Deposit Item Return	$30	per item	None
Account Services
Garnishment	$40	Not stated	None
Retirement & IRA
IRA Transfer Out	$25	Not stated	None
Gift & Prepaid Cards
Gift Cards Purchase	$3	per item	None
Other Fees
Paper Copy of Statement	$8	per item	None
Photocopy	$1	per item	None
Lien Release Recording	$48	Not stated	None

Correct a fee source

Oct 9, 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

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