Compared with Oklahoma
9 of 22
compared fees are above the median.
5 below, 8 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
64th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Oklahoma median
of 22 compared; 5 below, 8 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for The Focus 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 Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | The Focus Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 9.2% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (64th 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 $236K in Q2 2026, 1.7% below the same quarter a year earlier ($240K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 22 compared published fees sit above the Oklahoma 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 Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Fresh Start Checking
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Oklahoma, 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 6.0% from Q3 2025 to Q2 2026, to $236K. Its share of revenue, 9.2%, is above the 7.2% median for credit unions with under $300M in assets.
$236K
The Focus 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.
The Focus Federal Credit Union · $163M 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 |
|---|---|---|---|---|---|---|---|
| The Focus Federal Credit Union(this institution) | Oklahoma City, OK | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Best Reward Federal Credit Union | Brook Park, OH | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bfg Federal Credit Union | Akron, OH | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Buckeye State Federal Credit Union | Akron, OH | $167M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Communities Of Abilene Federal Credit Union | Abilene, TX | $161M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Community Service Federal Credit Union | Huntsville, TX | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Epic Federal Credit Union | Metairie, LA | $164M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Fd Community Federal Credit Union | Waterbury, CT | $163M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First Choice Federal Credit Union | West Palm Beach, FL | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Four Points Federal Credit Union | Omaha, NE | $165M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Georgia Heritage Federal Credit Union | Savannah, GA | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hartford Federal Credit Union | Hartford, CT | $160M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hello Federal Credit Union | Panama City, FL | $160M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Jefferson Parish Employees Federal Credit Union | Harahan, LA | $166M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Kings Federal Credit Union | Hanford, CA | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lincoln Maine Federal Credit Union | Lincoln, ME | $163M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Minnesota Power Employees Federal Credit Union | Duluth, MN | $162M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Priority One Credit Union | Sunrise, FL | $162M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Scenic Community Federal Credit Union | Hixson, TN | $164M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shoreline Federal Credit Union | Two Rivers, WI | $160M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| South Bay Federal Credit Union | Redondo Beach, CA | $161M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Southern Chautauqua Federal Credit Union | Lakewood, NY | $163M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Tulare County Federal Credit Union | Tulare, CA | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Utah Heritage Federal Credit Union | Moroni, UT | $167M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wayne-Westland Federal Credit Union | Westland, MI | $161M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Wymar Federal Credit Union | Geismar, LA | $165M | 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $9.99, against a peer median of $7.25 among 14 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 25, 2026.
Monthly maintenance fee in dollars, one mark per institution
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 Oct 25, 2026. Total assets from FDIC and NCUA records.
Call reports for The Focus 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 | $236K | +$1K | +0.4% |
| Q1 2026 | $235K | −$26K | −10.0% |
| Q4 2025 | $261K | +$10K | +4.0% |
| Q3 2025 | $251K | +$11K | +4.6% |
| Q2 2025 | $240K | +$18K | +8.1% |
| Q1 2025 | $222K | −$21K | −8.6% |
| Q4 2024 | $243K | +$1K | +0.4% |
| Q3 2024 | $242K | +$12K | +5.2% |
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, The Focus 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 The Focus Federal Credit Union by share.
Amounts from The Focus 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 month
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Monthly service charge | $9.99Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Closed Account Fee | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Inactive Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail/Address/Statement | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay | $30Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Savings Non-Sufficient Funds | $30Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Visa Debit/ATM Card Replacement | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Expedited Visa Debit/ATM Card | $25Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
| International Service Assessment (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Domestic Wire Transfer-Outgoing | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Transfer-Incoming | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Check Services | |||
| Non-Member Share Check to Official Check | $3Inside the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| ACH Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Pay | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check Copy | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Same Day ACH Payment | $9.95Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| ACH Origination Returned Item | $30Inside the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Child Support Levy | $20Below the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Garnishments/Levies | $30Inside the U.S. middle 50% ($30 to $87.50 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Visa Gift Cards | $2.50Below the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Copy of Lien | $10Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip-A-Pay | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 18, 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 The Focus Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
5 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Oklahoma City, OK | 3 |
| Chickasha, OK | 1 |
| Newcastle, OK | 1 |
Largest competitors nearby
Local market: Oklahoma and Cleveland counties, OK, around its headquarters.
| 81 in its local market | Deposit share |
|---|---|
| MidFirst Bank | 25.3% |
| BOKF, National Association | 13.8% |
| JPMorgan Chase Bank, National Association | 10.4% |
| Bank of America, National Association | 9.4% |
| BancFirst | 7.1% |
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.