Compared with Utah
6 of 15
compared fees are above the median.
5 below, 4 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
31st percentile; peer median 6.6%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Utah median
of 15 compared; 5 below, 4 about the same
See the feesFee schedule read Oct 7, 2026
Call-report figures are for Utah 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 452 credit unions with $1B to $10B 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 Utah median | Published fees above the Utah median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Utah Community Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 7, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 5.0% of revenue, below the 6.6% median of 452 credit unions with $1B to $10B in assets (31st 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 $2.8M in Q2 2026, about level with the same quarter a year earlier ($2.8M).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
6 of 15 compared published fees sit above the Utah 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 Utah medians for fees published by banks and credit unions.
Monthly Maintenance
Elevated Checking $6 · Elevated Plus Checking $10
Compared at $8, the middle of its prices
Non-Network ATM
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Utah, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 14% from Q3 2025 to Q2 2026, to $2.8M. Its share of revenue, 5.0%, is below the 6.6% median for credit unions with $1B to $10B in assets.
$2.8M
Utah 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 452 credit unions with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $6 to $10; we compare the midpoint.
Utah Community Federal Credit Union · $4B 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 |
|---|---|---|---|---|---|---|---|
| Utah Community Federal Credit Union(this institution) | Provo, UT | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Addition Financial Federal Credit Union | Lake Mary, FL | $3.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Advia Federal Credit Union | Kalamazoo, MI | $4.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Affinity Federal Credit Union | Basking Ridge, NJ | $4.4B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| All In Federal Credit Union | Daleville, AL | $3.7B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Campus USA Federal Credit Union | Gainesville, FL | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Connexus Federal Credit Union | Wausau, WI | $4.1B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Covantage Federal Credit Union | Antigo, WI | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Educators Federal Credit Union | Racine, WI | $4B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Empower Federal Credit Union | Syracuse, NY | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| General Electric Federal Credit Union | Cincinnati, OH | $4.2B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Georgia'S Own Federal Credit Union | Atlanta, GA | $4.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Goldenwest Federal Credit Union | Ogden, UT | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Grow Financial Federal Credit Union | Tampa, FL | $3.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Michigan Schools And Government Federal Credit Union | Clinton Township, MI | $4.4B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Navigant Federal Credit Union | Smithfield, RI | $4.3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Numerica Federal Credit Union | Spokane Valley, WA | $4.3B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nuvision Federal Credit Union | Huntington Beach, CA | $4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Oregon Community Federal Credit Union | Eugene, OR | $3.7B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Peak Federal Credit Union | Olympia, WA | $4.2B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Premier Members Federal Credit Union | Broomfield, CO | $4.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Federal Credit Union | Rockland, MA | $3.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Rogue Federal Credit Union | Medford, OR | $4.3B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Safe Federal Credit Union | Folsom, CA | $4.4B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| University Federal Credit Union | Austin, TX | $4.3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Valley Strong Federal Credit Union | Bakersfield, CA | $4.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8, the middle of its two prices, against a peer median of $6.95 among 13 publishing peers.
Its two checking prices are $6 and $10.
$8 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 Utah 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 | $2.8M | −$437K | −13.3% |
| Q1 2026 | $3.3M | −$39K | −1.2% |
| Q4 2025 | $3.3M | +$20K | +0.6% |
| Q3 2025 | $3.3M | +$457K | +16.0% |
| Q2 2025 | $2.8M | −$207K | −6.8% |
| Q1 2025 | $3.1M | +$2K | +0.1% |
| Q4 2024 | $3.1M | +$44K | +1.5% |
| Q3 2024 | $3.0M | +$338K | +12.7% |
Financial cohort: 454 credit unions with $1B to $10B in assets filing for Q2 2026; 452 reported a share above 0% and are counted, Utah 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 Utah Community Federal Credit Union by share.
Amounts from Utah Community Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Elevated Checking Fee (audience not stated, treated as personal) | $6Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Elevated Plus Checking Monthly service charge (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Reconciliation/Research Fee (audience not stated, treated as personal) | $25Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee | $5Not compared: Per-item charge, not monthly | per item | None |
ATM & Card | |||
| ATM Transaction or Inquiry Fee | $1.50Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
Wire Transfers | |||
| Domestic Wire Withdrawal Fee (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Domestic Wire Deposit Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| International Wire Withdrawal Fee | $40Inside the U.S. middle 50% ($40 to $50 nationally) | per item | None |
| International Wire Deposit Fee (audience not stated, treated as personal) | $10Inside the U.S. middle 50% ($10 to $25 nationally) | per item | None |
Check Services | |||
| Cashier Check Fee (audience not stated, treated as personal) | $1Below the U.S. middle 50% ($3 to $6 nationally) | per item | None |
| Stop Payment Fee (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check Copy Retrieval Fee (audience not stated, treated as personal) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| ACH Returned Payment Reactivation | $10Below the U.S. middle 50% ($19.75 to $30 nationally) | per item | None |
Cash & Deposit | |||
| Returned Deposit Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Safe Deposit Box 10x10 (audience not stated, treated as personal) | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x10 (audience not stated, treated as personal) | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 3x5 (audience not stated, treated as personal) | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5x10 (audience not stated, treated as personal) | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Drilling Fee (audience not stated, treated as personal) | $175Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box Key Replacement Fee (audience not stated, treated as personal) | $25Not compared: Box drilling or key fee | per item | None |
| Garnishment Fee (audience not stated, treated as personal) | $100Above the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Letter of Account Verification (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy Fee (electronic) (audience not stated, treated as personal) | $25Above the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Copy Fee (paper) (audience not stated, treated as personal) | $5Not compared: Monthly charge, not per item | per month | None |
| Loan Skip Payment Fee (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | 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 7, 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 Utah Community Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
28 offices in 1 state (June 30, 2026)
Each dot is one office.
2 are shown at the middle of their town until the exact address is found.
Cities with the most offices
| Orem, UT | 3 |
| Provo, UT | 3 |
| Salt Lake City, UT | 2 |
| American Fork, UT | 1 |
| Cedar City, UT | 1 |
| Draper, UT | 1 |
| Heber City, UT | 1 |
| Herriman, UT | 1 |
Largest competitors nearby
Local market: Utah county, UT, around its headquarters.
| 24 in its local market | Deposit share |
|---|---|
| LendingClub Bank, National Association | 39% |
| Bonneville Bank | 18.1% |
| Zions Bancorporation, N.A. | 11.1% |
| Central Bank | 6.4% |
| Wells Fargo Bank, National Association | 5.9% |
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.