Clearwater Federal Credit Union

Headquarters: Missoula, Montana
Charter: Credit Union
Assets: $1.2B
Fed district: Minneapolis
Regulator: NCUA

11 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 14, 2026.

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 U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 14, 2026

How these figures are measured

Call-report figures are for Clearwater 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 U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Clearwater Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 14, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Clearwater 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 $655K in Q2 2026, 0.8% above the same quarter a year earlier ($650K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Clearwater Federal Credit Union: $10
Clearwater Federal Credit Union: $10
U.S. median: no median
Non-Network ATM
Clearwater Federal Credit Union: $2
Clearwater Federal Credit Union: $2
U.S. median: no median
Wire Transfer (Domestic Out)
Clearwater Federal Credit Union: $20
Clearwater Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 14, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis 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).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis 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 was about level from Q3 2025 to Q2 2026, at $655K.

Fee income, Q2 2026

$655K

$658KQ3 2025

$689KQ4 2025

$722KQ1 2026

$655KQ2 2026

Against the median

Clearwater 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.

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

Among its peers

Clearwater Federal Credit Union · $1.2B 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.

Credit unions only
$1.1B to $1.2B in assets
Headquartered in 16 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
Clearwater Federal Credit Union(this institution)	Missoula, MT	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Abbott Laboratories Federal Credit Union	Gurnee, IL	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Atlantic Regional Federal Credit Union	South Portland, ME	$1.1B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
City & County Federal Credit Union	Saint Paul, MN	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Credit Union of Denver	Lakewood, CO	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Family Savings Federal Credit Union	Rainbow City, AL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Source Federal Credit Union	New Hartford, NY	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Hawaiian Financial Federal Credit Union	Honolulu, HI	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Honda Federal Credit Union	Torrance, CA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Justice Federal Credit Union	Chantilly, VA	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lafcu Federal Credit Union	Lansing, MI	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Marine Federal Credit Union	La Crosse, WI	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Members Cooperative Federal Credit Union	Duluth, MN	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Neighborhood Federal Credit Union	Dallas, TX	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
North Country Federal Credit Union	Burlington, VT	$1.1B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Radiant Federal Credit Union	Gainesville, FL	$1.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Safe 1 Federal Credit Union	Bakersfield, CA	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Salal Federal Credit Union	Seattle, WA	$1.2B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Seattle Metropolitan Federal Credit Union	Seattle, WA	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Selfreliance Federal Credit Union	Chicago, IL	$1.2B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Topline Financial Federal Credit Union	Maple Grove, MN	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
University Federal Credit Union	Los Angeles, CA	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Vantage Federal Credit Union	Saint Charles, MO	$1.2B	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Vermont Federal Credit Union	So Burlington, VT	$1.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Vibrant Federal Credit Union	Moline, IL	$1.2B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Wildfire Federal Credit Union	Saginaw, MI	$1.2B	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 · 10 publish this fee(monthly maintenance)

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

Fee type

Peer pricing snapshot

Clearwater Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 10 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 31, 2026.

Monthly maintenance fee in dollars, one mark per institution

Clearwater Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Clearwater Federal Credit…Peer (equal prices stack)Peer medianInclude $16 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 31, 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 Clearwater 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: $655K
vs prior quarter: −$67K−9.3%; from Q1 2026
vs a year earlier: +$5K+0.8%; from Q2 2025
vs start of range: −$234K−26.3%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Clearwater 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	$655K	−$67K	−9.3%
Q1 2026	$722K	+$33K	+4.8%
Q4 2025	$689K	+$31K	+4.7%
Q3 2025	$658K	+$8K	+1.2%
Q2 2025	$650K	+$97K	+17.5%
Q1 2025	$553K	−$95K	−14.7%
Q4 2024	$648K	−$241K	−27.1%
Q3 2024	$889K	+$78K	+9.6%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Account fee (balance drops below $1,500)$5
per month
Reconciliation and Research$30
Mailed Statements$10

Overdraft & NSF

Courtesy Pay per item paid$10
per item
Overdraft Paid Fee per item paid$10
per item

ATM & Card

ATM Transaction$2
per transaction
Foreign Transaction Fee1%of the transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction

Wire Transfers

Outgoing Domestic Wire$20

Check Services

Corporate/Cashier Checks$5
per item
Money Order$2
per item
Stop Payments$25
per item

Account Services

One Lost Key$10
Not compared: Box drilling or key fee

Gift & Prepaid Cards

Gift Cards$4
per item

Other Fees

Skip-a-Pay$45
per item

Fee	Amount	Basis	Note
Account Maintenance
Account fee (balance drops below $1,500)	$5	per month	None
Reconciliation and Research	$30	Not stated	None
Mailed Statements	$10	Not stated	None
Overdraft & NSF
Courtesy Pay per item paid	$10	per item	None
Overdraft Paid Fee per item paid	$10	per item	None
ATM & Card
ATM Transaction	$2	per transaction	None
Foreign Transaction Fee	1%of the transaction	Not stated	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	Not stated	None
Wire Transfers
Outgoing Domestic Wire	$20	Not stated	None
Check Services
Corporate/Cashier Checks	$5	per item	None
Money Order	$2	per item	None
Stop Payments	$25	per item	None
Account Services
One Lost Key	$10Not compared: Box drilling or key fee	Not stated	None
Gift & Prepaid Cards
Gift Cards	$4	per item	None
Other Fees
Skip-a-Pay	$45	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

Correct a fee source

Oct 14, 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.

Fee change alerts

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