Compared with Colorado
13 of 20
compared fees are above the median.
4 below, 3 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
38th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 20 compared; 4 below, 3 about the same
See the feesFee schedule read Oct 26, 2026
Call-report figures are for Air Academy 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 569 credit unions with $300M to $1B 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Air Academy Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 26, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 6.8% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (38th 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 $826K in Q2 2026, 10% above the same quarter a year earlier ($748K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
13 of 20 compared published fees sit above the Colorado median; 4 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 Colorado medians for fees published by banks and credit unions.
NSF / Returned Item
Monthly Maintenance
Basic Checking Fee $5 · Comeback Checking $10
Compared at $7.50, the middle of its prices
Overdraft (OD)
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 30% from Q3 2025 to Q2 2026, to $826K. Its share of revenue, 6.8%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$826K
Air Academy 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $10; we compare the midpoint.
Air Academy Federal Credit Union · $810M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Air Academy Federal Credit Union(this institution) | Colorado Springs, CO | $810M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Northern California Federal Credit Union | Martinez, CA | $829M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| America'S Christian Federal Credit Union | Glendora, CA | $820M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bayer Heritage Federal Credit Union | New Martinsville, WV | $801M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Caribe Federal Credit Union | San Juan, PR | $800M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Corda Federal Credit Union | Cedar Rapids, IA | $776M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Direct Federal Credit Union | Needham, MA | $795M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Dover-Phila Federal Credit Union | Dover, OH | $813M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Erie Federal Credit Union | Erie, PA | $808M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Family Trust Federal Credit Union | Rock Hill, SC | $805M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Credit Union | Chandler, AZ | $812M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Heritage Federal Credit Union | Corning, NY | $840M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Frontier Federal Credit Union | Idaho Falls, ID | $822M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hawaii Community Federal Credit Union | Kailua Kona, HI | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Idb Global Federal Credit Union | Washington, DC | $842M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Intouch Federal Credit Union | Plano, TX | $837M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Liberty Bay Federal Credit Union | Braintree, MA | $827M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Institutes Of Health Federal Credit Union | Rockville, MD | $817M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Polish National Federal Credit Union | Chicopee, MA | $777M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Reliant Community Federal Credit Union | Sodus, NY | $788M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Sea Comm Federal Credit Union | Massena, NY | $777M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Smart Financial Federal Credit Union | Houston, TX | $808M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Solarity Federal Credit Union | Yakima, WA | $804M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Texell Federal Credit Union | Temple, TX | $801M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Peoples Federal Credit Union | Middletown, RI | $811M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| True Sky Federal Credit Union | Oklahoma City, OK | $778M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 16 publish this fee(monthly maintenance)
9 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $7.50, the middle of its two prices, against a peer median of $7.73 among 16 publishing peers.
Its two checking prices are $5 and $10.
$7.50 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 Nov 1, 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 Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Air Academy 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 | $826K | +$110K | +15.4% |
| Q1 2026 | $716K | $0 | 0.0% |
| Q4 2025 | $716K | +$83K | +13.1% |
| Q3 2025 | $633K | −$115K | −15.4% |
| Q2 2025 | $748K | +$169K | +29.2% |
| Q1 2025 | $579K | −$83K | −12.5% |
| Q4 2024 | $662K | −$129K | −16.3% |
| Q3 2024 | $791K | +$162K | +25.8% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Air Academy 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 Air Academy Federal Credit Union by share.
Amounts from Air Academy Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per half hour · Account Research Fee | $40.00 per half hour
per statement · Paper Statement Fee | $5.00 per statement
per month
per item
per item
per item · 4 checks for $1.00
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Basic Checking Fee Monthly service charge (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Comeback Checking Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee (within 6 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee | $40Not compared: Charged per half hour; comparison unavailable | per half hour | Account Research Fee | $40.00 per half hour |
| Paper Statement Fee | $5Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Fee | $5.00 per statement |
| Bad Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Premium Overdraft Service Fee (audience not stated, treated as personal) | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-AACU ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign Transaction Fee (Point of Sale) | 3%of the transaction | Not stated | None |
| Foreign Transaction Fee (Point of Sale) (audience not stated, treated as personal) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - International Fee | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter/Temporary Check (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Temporary Checks Fee (audience not stated, treated as personal) | $1Inside the U.S. middle 50% ($1 to $4 nationally) | per item | 4 checks for $1.00 |
| Check Cashing- Non-Member Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Item Deposit Fee | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Shared Draft Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Cash & Deposit | |||
| Cash Advance Fee (each advance amount) | 3%of the advance ($10 minimum) | Not stated | None |
| Cash Advance Fee (each advance amount) (audience not stated, treated as personal) | 3%of the advance ($10 minimum) | Not stated | None |
Account Services | |||
| Box Size 10" x 10" x 22" | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 3" x 10" x 22" | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 3" x 5" x 22" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 5" x 10" x 22" | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Late Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $120Not compared: Box drilling or key fee | Not stated | None |
| Rekey and/or Drilling | $325Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $5Not compared: Box drilling or key fee | per year | None |
| Safe Deposit Box Size 10" x 10" x 22" (audience not stated, treated as personal) | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Size 3" x 10" x 22" (audience not stated, treated as personal) | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Size 3" x 5" x 22" (audience not stated, treated as personal) | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Size 5" x 10" x 22" (audience not stated, treated as personal) | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Levies/Garnishments Fee | $85Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Consumer Loan Late Payment Fee | $15Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Payment Fee (Consumer) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
| Late Payment Fee (Consumer/Business) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Loan Modification/Extension Fee | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay Fee | $35Inside 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
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per half hour · Account Research Fee | $40.00 per half hour
per statement · Paper Statement Fee | $5.00 per statement
per month
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Comeback Checking Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure Fee (within 6 months of opening) | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research Fee | $40Not compared: Charged per half hour; comparison unavailable | per half hour | Account Research Fee | $40.00 per half hour |
| Paper Statement Fee | $5Not compared: Charged per statement; comparison unavailable | per statement | Paper Statement Fee | $5.00 per statement |
| Bad Address Fee | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Non-Sufficient Funds (NSF) Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| Non-AACU ATM | $2Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Foreign Transaction Fee (Point of Sale) | 3%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer - Domestic Fee | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - International Fee | $55Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Check Fee | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment Fee | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Cashing- Non-Member Fee | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Foreign Item Deposit Fee | $30Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Shared Draft Copy Fee | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Business ACH Collections Origination Service Fee | $25Not compared: Monthly charge, not per item | per month | None |
| Business ACH Payments Origination Service Fee | $25Not compared: Monthly charge, not per item | per month | None |
Cash & Deposit | |||
| Cash Advance Fee (each advance amount) | 3%of the advance ($10 minimum) | Not stated | None |
Account Services | |||
| Box Size 10" x 10" x 22" | $150Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 3" x 10" x 22" | $60Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 3" x 5" x 22" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Box Size 5" x 10" x 22" | $90Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Late Fee | $25Not compared: Box drilling or key fee | Not stated | None |
| Lost Key | $120Not compared: Box drilling or key fee | Not stated | None |
| Rekey and/or Drilling | $325Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box | $5Not compared: Box drilling or key fee | per year | None |
| Levies/Garnishments Fee | $85Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Verification of Deposit Fee | $15Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Lending Fees | |||
| Late Payment Fee (Business) | $35 | Not stated | None |
| Late Payment Fee (Consumer/Business) | $25Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Other Fees | |||
| Loan Modification/Extension Fee | $40Above the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Pay Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Oct 26, 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 Air Academy Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
10 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Colorado Springs, CO | 3 |
| Castle Rock, CO | 1 |
| Florence, CO | 1 |
| Highlands Ranch, CO | 1 |
| Monument, CO | 1 |
| Parker, CO | 1 |
| Pueblo, CO | 1 |
| Usaf Academy, CO | 1 |
Largest competitors nearby
Local market: El Paso county, CO, around its headquarters.
| 44 in its local market | Deposit share |
|---|---|
| Wells Fargo Bank, National Association | 19.2% |
| JPMorgan Chase Bank, National Association | 15.4% |
| U.S. Bank National Association | 11.6% |
| PNC Bank, National Association | 7.9% |
| UMB Bank, National Association | 4.1% |
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.