Compared with Pennsylvania
4 of 18
compared fees are above the median.
8 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
58th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Pennsylvania median
of 18 compared; 8 below, 6 about the same
See the feesFee schedule read Oct 18, 2026
Call-report figures are for Arc 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 Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Arc Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 18, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 8.3% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (58th 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 $193K in Q2 2026, 6.0% above the same quarter a year earlier ($182K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 18 compared published fees sit above the Pennsylvania median; 8 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 Pennsylvania medians for fees published by banks and credit unions.
Overdraft (OD)
Wire Transfer (Domestic Out)
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 7.7% from Q3 2025 to Q2 2026, to $193K. Its share of revenue, 8.3%, is above the 7.2% median for credit unions with under $300M in assets.
$193K
Arc 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.
Arc Federal Credit Union · $154M 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 |
|---|---|---|---|---|---|---|---|
| Arc Federal Credit Union(this institution) | Altoona, PA | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| 4U Federal Credit Union | Gainesville, TX | $156M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affinity Federal Credit Union | Des Moines, IA | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Arapahoe Federal Credit Union | Littleton, CO | $154M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Best Financial Federal Credit Union | Muskegon, MI | $154M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Chocolate Bayou Community Federal Credit Union | Alvin, TX | $158M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citymark Federal Credit Union | Plains, PA | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Consumers Professional Federal Credit Union | Lansing, MI | $150M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fidelis Catholic Federal Credit Union | Arvada, CO | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Financial Builders Federal Credit Union | Kokomo, IN | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Family Federal Credit Union | Henryetta, OK | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Great Erie Federal Credit Union | Orchard Park, NY | $150M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Green Country Federal Credit Union | Sand Springs, OK | $155M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Green Mountain Federal Credit Union | South Burlington, VT | $152M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Horizon Federal Credit Union | Williamsport, PA | $152M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Jm Associates Federal Credit Union | Jacksonville, FL | $151M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kerr County Federal Credit Union | Kerrville, TX | $156M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mountaincrest Federal Credit Union | Arlington, WA | $153M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Natco Federal Credit Union | Richmond, IN | $154M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Nova Ua Federal Credit Union | Clifton, NJ | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Power Federal Credit Union | Pueblo, CO | $156M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| R G Federal Credit Union | Raymore, MO | $154M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Star USA Federal Credit Union | Charleston, WV | $153M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Trailhead Federal Credit Union | Portland, OR | $156M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Trius Federal Credit Union | Kearney, NE | $152M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Ukrainian National Federal Credit Union | New York, NY | $155M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 8 publish this fee(monthly maintenance)
17 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $3.75 among 8 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 Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Arc Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for Arc 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 | $193K | +$2K | +1.0% |
| Q1 2026 | $191K | −$18K | −8.6% |
| Q4 2025 | $209K | $0 | 0.0% |
| Q3 2025 | $209K | +$27K | +14.8% |
| Q2 2025 | $182K | +$5K | +2.8% |
| Q1 2025 | $177K | −$23K | −11.5% |
| Q4 2024 | $200K | −$13K | −6.1% |
| Q3 2024 | $213K | +$24K | +12.7% |
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, Arc 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 Arc Federal Credit Union by share.
Amounts from Arc Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Account After 2nd Year | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Bad Address Fee | $1Below the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Courtesy Pay (per presentment) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Courtesy Pay fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
ATM & Card | |||
| Replacement Card 1-2 per calendar year | No chargeBelow the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Replacement Card over 2 per calendar year | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Fee Domestic Outgoing | $30Above the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Fee Domestic Incoming | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Cashier Checks | $3Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders | $2Inside the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Pay of ACH if presented | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment on Check (Single or Series) | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks (4 on a sheet) | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non-Member Check Cashing Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Copy Draft Up to 7 Years | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| Cleared ACH/Share Draft Return | $25Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
| Online Banking & Bill Pay Access | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Account Services | |||
| Subordination Agreements | $250Above the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Rollover/Transfer Fee | $25Inside the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Prepaid Everyday Spend Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Gift Card | $3Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Account Printout/Photocopies | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 18, 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 Arc 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
| Altoona, PA | 2 |
Largest competitors nearby
Local market: Blair county, PA, around its headquarters.
| 23 in its local market | Deposit share |
|---|---|
| Manufacturers and Traders Trust Company | 31.9% |
| First National Bank of Pennsylvania | 19.8% |
| First Commonwealth Bank | 11.7% |
| Reliance Savings Bank | 10.4% |
| Citizens Bank, National Association | 5.6% |
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.