Compared with New Mexico
2 of 14
compared fees are above the median.
6 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
92nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the New Mexico median
of 14 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 23, 2026
Call-report figures are for U-1St 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) 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 New Mexico median | Published fees above the New Mexico median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | U-1St Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 23, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 18% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (92nd 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 $31K in Q2 2026, 15% above the same quarter a year earlier ($27K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 14 compared published fees sit above the New Mexico median; 6 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 New Mexico medians for fees published by banks and credit unions.
Non-Network ATM
Compared at $0.75, the middle of its prices
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for New Mexico, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 15% from Q3 2025 to Q2 2026, to $31K. Its share of revenue, 18%, is above the 7.2% median for credit unions with under $300M in assets.
$31K
U-1St Community 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. *Non-network ATM: Listed at $0.50 to $1; we compare the midpoint.
U-1St Community Federal Credit Union · $9M 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 |
|---|---|---|---|---|---|---|---|
| U-1St Community Federal Credit Union(this institution) | Carlsbad, NM | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| A T & T Employees Pittsburgh Federal Credit Union | Pittsburgh, PA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Arkansas Health Center Federal Credit Union | Benton, AR | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Birmingham City Federal Credit Union | Birmingham, AL | $10M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Community First Federal Credit Union | Hannibal, MO | $9M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cooperative Employees Federal Credit Union | Anadarko, OK | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Dedham Town Employees Federal Credit Union | Dedham, MA | $9M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| District 08 Federal Credit Union | Alexandria, LA | $9M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Erie Firefighters Federal Credit Union | Erie, PA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Evergreen Park Schools Federal Credit Union | Evergreen Park, IL | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Finans Federal Credit Union | Hammond, IN | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Pace Federal Credit Union | West St Paul, MN | $9M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Iberville Federal Credit Union | Plaquemine, LA | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| L. A. Mission Federal Credit Union | San Fernando, CA | $9M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Lincoln S.D.A. Federal Credit Union | Lincoln, NE | $10M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 20 Ibew Federal Credit Union | Grand Prairie, TX | $9M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lowell Municipal Employees Federal Credit Union | Lowell, MA | $9M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Metropolitan "L" Federal Credit Union | Oak Park, IL | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Morton Federal Credit Union | taunton, MA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mosaic Federal Credit Union | Harrisonburg, VA | $9M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Natural State Federal Credit Union | Searcy, AR | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Neiman Marcus Group Employees Federal Credit Union | Dallas, TX | $9M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| P.S.E. & G. Nuclear Employees Federal Credit Union | Hancocks Bridge, NJ | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Redlands City Employees Federal Credit Union | Redlands, CA | $10M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Sewerage & Water Board Employees Federal Credit Union | New Orleans, LA | $9M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Va Hospital Federal Credit Union | Little Rock, AR | $9M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(out-of-network atm)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $0.75, the middle of its two prices, against a peer median of $1.25 among 9 publishing peers.
Its two prices are $0.50 and $1.
$0.75 is a comparison price, not a fee anyone is charged.
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 27, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Against this institution's out-of-network atm fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 27, 2026. Total assets from FDIC and NCUA records.
Call reports for U-1St Community 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 | $31K | +$5K | +19.2% |
| Q1 2026 | $26K | −$1K | −3.7% |
| Q4 2025 | $27K | $0 | 0.0% |
| Q3 2025 | $27K | $0 | 0.0% |
| Q2 2025 | $27K | −$2K | −6.9% |
| Q1 2025 | $29K | +$3K | +11.5% |
| Q4 2024 | $26K | −$5K | −16.1% |
| Q3 2024 | $31K | +$2K | +6.9% |
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, U-1St Community 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 U-1St Community Federal Credit Union by share.
Amounts from U-1St Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Research (per hour / 1 hour minimum) | $25.00
per hour · Reconcilliation / Account Balancing (per hour / 1 hour minimum) | $25.00
per item
per item
per month
per page · Facsimile (Faxes) Outgoing (per page) | $2.00
per page · Photocopies (per page) | $1.00
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Closure Fee (within 45 days of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee (charged monthly) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research (per hour / 1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research (per hour / 1 hour minimum) | $25.00 |
| Reconcilliation / Account Balancing (per hour / 1 hour minimum) | $25Not compared: Charged per hour; comparison unavailable | per hour | Reconcilliation / Account Balancing (per hour / 1 hour minimum) | $25.00 |
| Excessive Withdrawal (first 4 free) | $2.50Below the U.S. middle 50% ($3 to $10 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $30Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (member checks) | $30Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| ATM Overdraft Transfer (per transfer) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| ATM Inquiry Fee (after first 3 free) | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Withdrawal Fee (after first 3 free) | $0.50Below the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM/Debit Card Replacement Card | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Check Services | |||
| Cashier's Check: Non-member | $10Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Cashier's Check/Members | No chargeBelow the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $1.50Below the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment Fee (per item) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Check Cashing ($300.01 – $500.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Items (incoming, outgoing & draft) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Check Copies (per item) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Cash & Deposit | |||
| Cash Advance | 1%of the advance | Not stated | None |
Account Services | |||
| Notary Fee (Members Only) | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Duplicate Statement or Mortgage Statement | $3Not compared: Monthly charge, not per item | per month | None |
| Facsimile (Faxes) Outgoing (per page) | $2Not compared: Charged per page; comparison unavailable | per page | Facsimile (Faxes) Outgoing (per page) | $2.00 |
| Photocopies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | Photocopies (per page) | $1.00 |
Oct 23, 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 U-1St Community 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.
Cities with the most offices
| Carlsbad, NM | 2 |
Largest competitors nearby
Local market: Eddy county, NM, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| CNB Bank | 33.3% |
| First American Bank | 21% |
| Western Commerce Bank | 17.7% |
| Western Bank | 10.8% |
| Wells Fargo Bank, National Association | 10.2% |
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.