Banner Federal Credit Union

Headquarters: Phoenix, Arizona
Charter: Credit Union
Assets: $65.2M
Fed district: San Francisco
Regulator: NCUA

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

Source: its fee schedule, read Oct 6, 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 6, 2026

How these figures are measured

Call-report figures are for Banner 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.	Banner Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 6, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Banner 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 $224K in Q2 2026, 2.8% above the same quarter a year earlier ($218K).
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.

Monthly Maintenance
Protection Plus Checking $2.50 · Pulse Checking $5 · Opportunity Checking $5 to $15
Compared at $5, the middle of its prices
Banner Federal Credit Union: $2.50 to $15
Banner Federal Credit Union: $2.50 to $15
U.S. median: no median
Overdraft (OD)
Banner Federal Credit Union: $35
Banner Federal Credit Union: $35
U.S. median: no median
NSF / Returned Item
Banner Federal Credit Union: $35
Banner Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Arizona, the San Francisco 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).
Arizona: Banks and credit unions headquartered in Arizona that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco 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 $224K.

Fee income, Q2 2026

$224K

$226KQ3 2025

$228KQ4 2025

$217KQ1 2026

$224KQ2 2026

Against the median

Banner 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

Banner Federal Credit Union · $65M 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 19 states.

Credit unions only
$63M to $67M in assets
Headquartered in 19 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
Banner Federal Credit Union(this institution)	Phoenix, AZ	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
A.B.D. Federal Credit Union	Warren, MI	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bopti Federal Credit Union	San Pedro, CA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Cranberry Federal Credit Union	West Wareham, MA	$63M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Credit Union of Richmond Incorporat	Richmond, VA	$65M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Destinations Credit Union	Baltimore, MD	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Doches Federal Credit Union	Nacogdoches, TX	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Eagle Express Federal Credit Union	Jackson, MS	$67M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Federated Employees Federal Credit Union	Owatonna, MN	$67M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fort Billings Federal Credit Union	Paulsboro, NJ	$64M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Gp Louisiana Federal Credit Union	Zachary, LA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Healthcare Financial Federal Credit Union	New Haven, CT	$64M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Lincoln Park Community Federal Credit Union	Lincoln Park, MI	$63M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Lion'S Share Federal Credit Union	Salisbury, NC	$65M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Madison Federal Credit Union	Madison, WI	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Millard County Federal Credit Union	Fillmore, UT	$65M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Morehead Community Federal Credit Union	Morehead, KY	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Vision Federal Credit Union	Clarksville, IN	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Rimrock Federal Credit Union	Billings, MT	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
River Valley Community Federal Credit Union	Camden, AR	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Rolling F Federal Credit Union	Turlock, CA	$64M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sacred Heart Parish Hallettsville Federal Credit Union	Hallettsville, TX	$65M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Shell Western States Federal Credit Union	Martinez, CA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
South Bend Firefighters Federal Credit Union	South Bend, IN	$64M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Spokane City Federal Credit Union	Spokane, WA	$66M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
United Employees Federal Credit Union	Albert Lea, MN	$66M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

Monthly maintenance is broadly aligned with similar-sized credit unions: within 1% of their median.

Compared at $5, the middle of its four prices, against a peer median of $5 among 8 publishing peers.

Its four checking prices are $2.50, $5, $5 and $15.

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

Banner Federal Credit Uni…: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

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 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 Banner 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: $224K
vs prior quarter: +$7K+3.2%; from Q1 2026
vs a year earlier: +$6K+2.8%; from Q2 2025
vs start of range: −$17K−7.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Banner 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	$224K	+$7K	+3.2%
Q1 2026	$217K	−$11K	−4.8%
Q4 2025	$228K	+$2K	+0.9%
Q3 2025	$226K	+$8K	+3.7%
Q2 2025	$218K	+$6K	+2.8%
Q1 2025	$212K	−$23K	−9.8%
Q4 2024	$235K	−$6K	−2.5%
Q3 2024	$241K	+$3K	+1.3%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Opportunity Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Opportunity Checking Monthly service charge (audience not stated, treated as personal)$15
per month
Protection Plus Checking Monthly service charge (audience not stated, treated as personal)$2.50
per month
Pulse Checking Monthly service charge (audience not stated, treated as personal)$5
per month
Dormant Account Fee$5
Not compared: Quarterly charge, not monthly
per quarter
Escheated Account Fee$25
per month
Research/Balancing Assistance$20
Not compared: Charged per hour; comparison unavailable
per hour
Research/Balancing Assistance$20

Overdraft & NSF

Overdraft Advance Fee$35
per item
Non-Sufficient Funds Fee$35
per item
Returned Check Fee (Own Item)$35
per item

ATM & Card

ATM/Debit Card Replacement Fee (Normal)$10
per item
Rush Card Delivery$60
per item

Wire Transfers

Wire Transfer (Domestic Out)$18
per item
Wire Trans. (Intern. Outgoing)$35
per item

Check Services

Official Check$20
per item
Official Check 1No charge
Not compared: Daily charge, not per item
per day
Stop Payment Official Check$20
per item
Stop Payments Debit, ACH, Personal Check$35
per item
Temporary Checks$4
per item
Check Cashing (Banner Only)$6
per item
Check Cashing (Banner Only)$6
per item
Check Copy$3
per item

Digital & Electronic

Outgoing Transfer Overnight Bill Payment Fee$14.95
Not compared: Per-item charge, not monthly
per item
Overnight Bill Payment Fee$14.95
Not compared: Per-item charge, not monthly
per item
POPMONEY-Bill Pay$0.50

Account Services

Non-Member Fees Notary Fee$10
per item
Notary Fee$10
Not compared: Charged per page; comparison unavailable
per page · Notary Fee …………………………….$10.00 per Page
Notary Fee (audience not stated, treated as personal)$10
per item
Notary/ Medallion Signature FeeNo charge
Garnish & Levy Fee$150
per item
Share Certificates | Subordination Agreement Processing$25
Not compared: CD/IRA fee
per item
Account Verification (VOD)$10
one time

Vehicle & Title

Vehicle Title$15

Gift & Prepaid Cards

Gift Card Fee .$3
per item

Other Fees

Monthly Statement Reprint Fee$3
Not compared: Monthly charge, not per item
per month
Monthly Statement Reprint Fee$3
Not compared: Monthly charge, not per item
per month
Application Fee (home equity line of credit or closed-end second mortgage)$50
one time
Loan Skip-a-Pay Fee$35
per item

Fee	Amount	Basis	Note
Account Maintenance
Opportunity Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Opportunity Checking Monthly service charge (audience not stated, treated as personal)	$15	per month	None
Protection Plus Checking Monthly service charge (audience not stated, treated as personal)	$2.50	per month	None
Pulse Checking Monthly service charge (audience not stated, treated as personal)	$5	per month	None
Dormant Account Fee	$5Not compared: Quarterly charge, not monthly	per quarter	None
Escheated Account Fee	$25	per month	None
Research/Balancing Assistance	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Research/Balancing Assistance	$20	Not stated	None
Overdraft & NSF
Overdraft Advance Fee	$35	per item	None
Non-Sufficient Funds Fee	$35	per item	None
Returned Check Fee (Own Item)	$35	per item	None
ATM & Card
ATM/Debit Card Replacement Fee (Normal)	$10	per item	None
Rush Card Delivery	$60	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$18	per item	None
Wire Trans. (Intern. Outgoing)	$35	per item	None
Check Services
Official Check	$20	per item	None
Official Check 1	No chargeNot compared: Daily charge, not per item	per day	None
Stop Payment Official Check	$20	per item	None
Stop Payments Debit, ACH, Personal Check	$35	per item	None
Temporary Checks	$4	per item	None
Check Cashing (Banner Only)	$6	per item	None
Check Cashing (Banner Only)	$6	per item	None
Check Copy	$3	per item	None
Digital & Electronic
Outgoing Transfer Overnight Bill Payment Fee	$14.95Not compared: Per-item charge, not monthly	per item	None
Overnight Bill Payment Fee	$14.95Not compared: Per-item charge, not monthly	per item	None
POPMONEY-Bill Pay	$0.50	Not stated	None
Account Services
Non-Member Fees Notary Fee	$10	per item	None
Notary Fee	$10Not compared: Charged per page; comparison unavailable	per page	Notary Fee …………………………….$10.00 per Page
Notary Fee (audience not stated, treated as personal)	$10	per item	None
Notary/ Medallion Signature Fee	No charge	Not stated	None
Garnish & Levy Fee	$150	per item	None
Share Certificates \| Subordination Agreement Processing	$25Not compared: CD/IRA fee	per item	None
Account Verification (VOD)	$10	one time	None
Vehicle & Title
Vehicle Title	$15	Not stated	None
Gift & Prepaid Cards
Gift Card Fee .	$3	per item	None
Other Fees
Monthly Statement Reprint Fee	$3Not compared: Monthly charge, not per item	per month	None
Monthly Statement Reprint Fee	$3Not compared: Monthly charge, not per item	per month	None
Application Fee (home equity line of credit or closed-end second mortgage)	$50	one time	None
Loan Skip-a-Pay Fee	$35	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 6, 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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