Compared with Maine
8 of 15
compared fees are above the median.
1 below, 6 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 Maine median
of 15 compared; 1 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Truchoice 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 Maine median | Published fees above the Maine median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Truchoice Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.7% 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 $412K in Q2 2026, 4.8% above the same quarter a year earlier ($393K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
8 of 15 compared published fees sit above the Maine median; 1 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 Maine medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Maine, the Boston district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.0% from Q3 2025 to Q2 2026, to $412K. Its share of revenue, 8.7%, is above the 7.2% median for credit unions with under $300M in assets.
$412K
Truchoice 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.
Truchoice Federal Credit Union · $257M 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 16 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Truchoice Federal Credit Union(this institution) | Portland, ME | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bridge Federal Credit Union | Powell, OH | $257M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Cacl Federal Credit Union | Pottsville, PA | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Central State Federal Credit Union | Stockton, CA | $258M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Citizens Community Federal Credit Union | Fort Dodge, IA | $254M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Community West Federal Credit Union | Kentwood, MI | $252M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elevate Federal Credit Union | Brigham City, UT | $260M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Energy Capital Federal Credit Union | Houston, TX | $261M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Filer Federal Credit Union | Manistee, MI | $262M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Gerber Federal Credit Union | Fremont, MI | $260M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Ghs Federal Credit Union | Binghamton, NY | $253M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Coast Federal Credit Union | Corpus Christi, TX | $260M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Hidden River Federal Credit Union | Pottsville, PA | $259M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Highmark Federal Credit Union | Rapid City, SD | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Keys Federal Credit Union | Key West, FL | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Moog Employees Federal Credit Union | East Aurora, NY | $257M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mygeorgia Federal Credit Union | Gainesville, GA | $258M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Jersey Federal Credit Union | Totowa, NJ | $256M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Red Crown Federal Credit Union | Tulsa, OK | $257M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southwest Heritage Federal Credit Union | Odessa, TX | $261M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| St. Paul Federal Credit Union | Saint Paul, MN | $252M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Family Federal Credit Union | Davenport, IA | $253M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Tongass Federal Credit Union | Ketchikan, AK | $252M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Tremont Federal Credit Union | Boston, MA | $256M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Truecore Federal Credit Union | Newark, OH | $255M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Usx Federal Credit Union | Cranberry Twp, PA | $258M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(monthly maintenance)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $6.98 among 11 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
Truchoice 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 Truchoice 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 | $412K | +$1K | +0.2% |
| Q1 2026 | $411K | −$39K | −8.7% |
| Q4 2025 | $450K | +$21K | +4.9% |
| Q3 2025 | $429K | +$36K | +9.2% |
| Q2 2025 | $393K | +$6K | +1.6% |
| Q1 2025 | $387K | −$30K | −7.2% |
| Q4 2024 | $417K | +$23K | +5.8% |
| Q3 2024 | $394K | +$36K | +10.1% |
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, Truchoice 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 Truchoice Federal Credit Union by share.
Amounts from Truchoice Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee If your account goes dormant and we are required to send funds to the state | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation Fee | $25Not compared: Monthly charge, not per item | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Privilege Pay Fee Any check, ACH, or Visa® Check Card (optional service) transaction that is cleared by using our discre | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Draft Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM or Visa® Debit Card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Rush Fee | $50Inside the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing International Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Incoming International Wire Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Check Withdrawal/Money Order Fee | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Copy of Check | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Other Fees | |||
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Reapplication Fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-a-Pay Fee Skip your next loan payment up to twice per year | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per hour
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Fee If your account goes dormant and we are required to send funds to the state | $50Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation Fee | $25Not compared: Monthly charge, not per item | per month | None |
| Research Fee | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
Overdraft & NSF | |||
| Privilege Pay Fee Any check, ACH, or Visa® Check Card (optional service) transaction that is cleared by using our discre | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned Draft Fee | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| ATM or Visa® Debit Card replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Outgoing Domestic Wire Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Outgoing International Wire Fee | $50Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| Incoming International Wire Fee | $25Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Check Withdrawal/Money Order Fee | $3Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Stop Payment Fee | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $10Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Lending Fees | |||
| Late Fee | $25Inside the U.S. middle 50% ($15 to $25 nationally) | per item | None |
| UCC Fee | $10 | Not stated | None |
Other Fees | |||
| Statement Copy Fee | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Reapplication Fee | $20Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
| Skip-a-Pay Fee Skip your next loan payment up to twice per year | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 2, 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 Truchoice Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Biddeford, ME | 1 |
| Buxton, ME | 1 |
| Portland, ME | 1 |
| South Portland, ME | 1 |
Largest competitors nearby
Local market: Cumberland county, ME, around its headquarters.
| 29 in its local market | Deposit share |
|---|---|
| Northeast Bank | 18.8% |
| TD Bank, National Association | 15.6% |
| Bank of America, National Association | 12.5% |
| KeyBank National Association | 11.3% |
| Maine Community Bank | 10% |
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.