Romney Federal Credit Union

Headquarters: Romney, West Virginia
Charter: Credit Union
Assets: $14.8M
Fed district: Richmond
Regulator: NCUA

Explore Hamilton View published fees

Compared with West Virginia

0 of 2

compared fees are above the median.

0 below, 2 about the same.

About the same: within 1% of the median.

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 West Virginia median
of 2 compared; 0 below, 2 about the same
See the fees
Fee schedule read Oct 9, 2026

How these figures are measured

Call-report figures are for Romney 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 West Virginia median	Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Romney 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: Romney 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 $19K in Q2 2026, 46% above the same quarter a year earlier ($13K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
0 of 2 compared published fees sit above the West Virginia median; 0 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.

Fees against the market

Comparison with West Virginia medians for fees published by banks and credit unions.

Overdraft (OD)
Romney Federal Credit Union: $30
Romney Federal Credit Union: $30
West Virginia median: $3028 publishU.S. median: no median
NSF / Returned Item
Romney Federal Credit Union: $30
Romney Federal Credit Union: $30
West Virginia median: $3033 publishU.S. median: no median
Daily OD & NSF Fee Cap
Romney Federal Credit Union: $250
Romney Federal Credit Union: $250
West Virginia median: no medianU.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 West Virginia, the Richmond 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).
West Virginia: Banks and credit unions headquartered in West Virginia that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 5.6% from Q3 2025 to Q2 2026, to $19K.

Fee income, Q2 2026

$19K

$18KQ3 2025

$18KQ4 2025

$16KQ1 2026

$19KQ2 2026

Against the median (WV for fees)

Overdraft$30 / $30

Romney 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.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

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

Among its peers

Romney Federal Credit Union · $15M 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
$14M to $16M 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
Romney Federal Credit Union(this institution)	Romney, WV	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Acme Federal Credit Union	Eastlake, OH	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Ampot Federal Credit Union	Hamilton, MS	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Blackhawk Federal Credit Union	Beaver Falls, PA	$15M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Brockport Federal Credit Union	Brockport, NY	$15M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Cape Federal Credit Union	Clarksburg, WV	$16M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Cen Tex Manufacturing Federal Credit Union	Brownwood, TX	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Connecticut Labor Dept Federal Credit Union	Wethersfield, CT	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Dixie Line Federal Credit Union	Nashville, TN	$15M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Four Corners Federal Credit Union	Kirtland, NM	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Greater Kinston Federal Credit Union	Kinston, NC	$14M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hialeah Municipal Employees Federal Credit Union	Hialeah, FL	$14M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
L.A. Healthcare Federal Credit Union	Los Angeles, CA	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Local 1233 Federal Credit Union	Newark, NJ	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Northeast Nebraska Federal Credit Union	Norfolk, NE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Presidents Federal Credit Union	Cleves, OH	$15M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Profinance Federal Credit Union	Merrillville, IN	$15M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
River Town Federal Credit Union	Fort Smith, AR	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Scott Associates Federal Credit Union	Marysville, OH	$15M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Spojnia Federal Credit Union	Scranton, PA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tulane/Loyola Federal Credit Union	New Orleans, LA	$15M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Overdraft not published
United Association Federal Credit Union	Concord, CA	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Vermilion Employees Federal Credit Union	Abbeville, LA	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Virginia United Methodist Federal Credit Union	North Chesterfield, VA	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wilmington Police & Fire Federal Credit Union	Wilmington, DE	$14M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Winslow Santa Fe Federal Credit Union	Winslow, AZ	$15M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 9 publish this fee(domestic wire)

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

Fee type

Peer pricing snapshot

Romney Federal Credit Union does not publish a domestic wire fee in the index.

The peer median is $20 among 9 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 30, 2026.

Domestic wire fee in dollars, one mark per institution

Romney Federal Credit Union does not publish a domestic wire fee, so it is not on this chart.

Romney Federal Credit Uni…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 30, 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 Romney 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: $19K
vs prior quarter: +$3K+18.8%; from Q1 2026
vs a year earlier: +$6K+46.2%; from Q2 2025
vs start of range: +$4K+26.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Romney 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	$19K	+$3K	+18.8%
Q1 2026	$16K	−$2K	−11.1%
Q4 2025	$18K	$0	0.0%
Q3 2025	$18K	+$5K	+38.5%
Q2 2025	$13K	−$5K	−27.8%
Q1 2025	$18K	+$4K	+28.6%
Q4 2024	$14K	−$1K	−6.7%
Q3 2024	$15K	−$1K	−6.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Overdraft & NSF

Courtesy Pay (audience not stated, treated as personal)$30
per item
Overdraft fee$30
Overdraft fee (audience not stated, treated as personal)$30
NSF Fee$30
Courtesy Pay Fee or a daily maximum (audience not stated, treated as personal)$250
per day

Fee	Amount	Basis	Note
Overdraft & NSF
Courtesy Pay (audience not stated, treated as personal)	$30	per item	None
Overdraft fee	$30	Not stated	None
Overdraft fee (audience not stated, treated as personal)	$30	Not stated	None
NSF Fee	$30	Not stated	None
Courtesy Pay Fee or a daily maximum (audience not stated, treated as personal)	$250	per day	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

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.

Branches and public record

Where Romney Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

2 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

1 is shown at the middle of its town until the exact address is found.

Cities with the most offices

Romney, WV

Largest competitors nearby

Local market: Hampshire county, WV, around its headquarters.

2 in its local market	Deposit share
The Bank of Romney	55.2%
FNB Bank, Inc.	44.8%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Get an email when Romney Federal Credit Union's nsf / returned item changes in our data

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