Red River Federal Credit Union

Headquarters: Altus, Oklahoma
Charter: Credit Union
Assets: $168.4M
Fed district: Kansas City

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

Source: its fee schedule, read Oct 21, 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 21, 2026

How these figures are measured

Call-report figures are for Red River 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.	Red River Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 21, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Red River 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 $257K in Q2 2026, 2.8% above the same quarter a year earlier ($250K).
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)
Red River Federal Credit Union: $27.50
Red River Federal Credit Union: $27.50
U.S. median: no median
NSF / Returned Item
Compared at $28.50, the middle of its prices
Red River Federal Credit Union: $27.50 to $29.50
Red River Federal Credit Union: $27.50 to $29.50
U.S. median: no median
Non-Network ATM
Compared at $0.63, the middle of its prices
Red River Federal Credit Union: $0.25 to $1
Red River Federal Credit Union: $0.25 to $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 21, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City 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).
Oklahoma: Banks and credit unions headquartered in Oklahoma that publish the fee.
Kansas City district: Banks and credit unions headquartered in the Kansas City 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 rose 3.2% from Q3 2025 to Q2 2026, to $257K.

Fee income, Q2 2026

$257K

$249KQ3 2025

$237KQ4 2025

$255KQ1 2026

$257KQ2 2026

Against the median

Red River 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

Red River Federal Credit Union · $168M 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
$164M to $173M 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
Red River Federal Credit Union(this institution)	Altus, OK	$168M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
1St Gateway Federal Credit Union	Camanche, IA	$171M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Artesia Federal Credit Union	Artesia, NM	$173M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Buckeye State Federal Credit Union	Akron, OH	$167M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Epic Federal Credit Union	Metairie, LA	$164M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Four Points Federal Credit Union	Omaha, NE	$165M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Greater Woodlawn Federal Credit Union	Blasdell, NY	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
H.P.C. Federal Credit Union	Alpena, MI	$172M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Harborlight Federal Credit Union	Whitehall, MI	$170M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Heartland Federal Credit Union	Inver Grove Heights, MN	$172M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Heritage Grove Federal Credit Union	Salem, OR	$167M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Homefield Federal Credit Union	North Grafton, MA	$170M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hopewell Federal Credit Union	Heath, OH	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Jefferson Parish Employees Federal Credit Union	Harahan, LA	$166M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Latah Federal Credit Union	Moscow, ID	$170M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mission City Federal Credit Union	Santa Clara, CA	$172M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Nuvista Federal Credit Union	Montrose, CO	$172M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Pioneer Valley Federal Credit Union	Springfield, MA	$167M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Princeton Federal Credit Union	Princeton, NJ	$169M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Riegel Federal Credit Union	Milford, NJ	$168M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Santa Cruz Community Federal Credit Union	Santa Cruz, CA	$172M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Sentry Federal Credit Union	Stevens Point, WI	$173M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Space Age Federal Credit Union	Aurora, CO	$168M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Tulare County Federal Credit Union	Tulare, CA	$167M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Utah Heritage Federal Credit Union	Moroni, UT	$167M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Wymar Federal Credit Union	Geismar, LA	$165M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft

✓ 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.

Fee type

Peer pricing snapshot

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

The peer median is $6 among 13 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

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

Red River Federal Credit…Peer (equal prices stack)Peer median

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.

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 Red River 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: $257K
vs prior quarter: +$2K+0.8%; from Q1 2026
vs a year earlier: +$7K+2.8%; from Q2 2025
vs start of range: +$15K+6.2%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Red River 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	$257K	+$2K	+0.8%
Q1 2026	$255K	+$18K	+7.6%
Q4 2025	$237K	−$12K	−4.8%
Q3 2025	$249K	−$1K	−0.4%
Q2 2025	$250K	+$3K	+1.2%
Q1 2025	$247K	−$4K	−1.6%
Q4 2024	$251K	+$9K	+3.7%
Q3 2024	$242K	+$1K	+0.4%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Low Balance$6
per month
Dormant Account$25
Not compared: Annual charge, not monthly
per year
Account Reconciliation$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Reconciliation | $20.00 per hour
Account Research$20
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $20.00 per hour
Paper Statement$5
per month
Excessive Withdrawal$1
per item

Overdraft & NSF

NSF Paid Item$27.50
per item
NSF ATM Withdrawal/ACH/POS$27.50
per item
NSF Returned Item$29.50
per item
Debit Card Overdraft Transfer$2
per item
Overdraft Transfer$2
per item

ATM & Card

ATM Inquiry$0.25
ATM Transaction/Inquiry$1
per item
Debit Card Replacement$15
per item

Wire Transfers

Wire Transfer (Outgoing Domestic)$15
Wire Transfer (Incoming Domestic)$6

Check Services

Cashier’s Check$3
per item
Money Order$2
per item
Money Order Stop Payment$12
per item
Stop Payment$10
per item
Teller/Bank Check Stop Payment$12
per item
Temporary Checks (audience not stated, treated as personal)$1
per item · First 10 free with new account; $1.00 each thereafter
Check Cashing$3
per item
Collection Item$5
per item
Foreign Check Collection$17.50
Items Sent for Collection$10
per item
Check Image$3
per item

Cash & Deposit

Return Deposit Items$10
Night Deposit Key$5
Night Drop Key Replacement$10

Account Services

Annual Rental (10 x 10)$55
per year
Annual Rental (3 x 10)$25
per year
Annual Rental (5 x 10)$35
per year
Key Replacement$10
Not compared: Box drilling or key fee
per item
Tax Levy/Garnishment$35

Retirement & IRA

IRA Closing Account$10

Other Fees

Copy of Statement$5
per item
Fax (Incoming)$1
Fax (Outgoing)$2

Fee	Amount	Basis	Note
Account Maintenance
Low Balance	$6	per month	None
Dormant Account	$25Not compared: Annual charge, not monthly	per year	None
Account Reconciliation	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Reconciliation \| $20.00 per hour
Account Research	$20Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $20.00 per hour
Paper Statement	$5	per month	None
Excessive Withdrawal	$1	per item	None
Overdraft & NSF
NSF Paid Item	$27.50	per item	None
NSF ATM Withdrawal/ACH/POS	$27.50	per item	None
NSF Returned Item	$29.50	per item	None
Debit Card Overdraft Transfer	$2	per item	None
Overdraft Transfer	$2	per item	None
ATM & Card
ATM Inquiry	$0.25	Not stated	None
ATM Transaction/Inquiry	$1	per item	None
Debit Card Replacement	$15	per item	None
Wire Transfers
Wire Transfer (Outgoing Domestic)	$15	Not stated	None
Wire Transfer (Incoming Domestic)	$6	Not stated	None
Check Services
Cashier’s Check	$3	per item	None
Money Order	$2	per item	None
Money Order Stop Payment	$12	per item	None
Stop Payment	$10	per item	None
Teller/Bank Check Stop Payment	$12	per item	None
Temporary Checks (audience not stated, treated as personal)	$1	per item	First 10 free with new account; $1.00 each thereafter
Check Cashing	$3	per item	None
Collection Item	$5	per item	None
Foreign Check Collection	$17.50	Not stated	None
Items Sent for Collection	$10	per item	None
Check Image	$3	per item	None
Cash & Deposit
Return Deposit Items	$10	Not stated	None
Night Deposit Key	$5	Not stated	None
Night Drop Key Replacement	$10	Not stated	None
Account Services
Annual Rental (10 x 10)	$55	per year	None
Annual Rental (3 x 10)	$25	per year	None
Annual Rental (5 x 10)	$35	per year	None
Key Replacement	$10Not compared: Box drilling or key fee	per item	None
Tax Levy/Garnishment	$35	Not stated	None
Retirement & IRA
IRA Closing Account	$10	Not stated	None
Other Fees
Copy of Statement	$5	per item	None
Fax (Incoming)	$1	Not stated	None
Fax (Outgoing)	$2	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

Correct a fee source

Oct 21, 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.

Branches and public record

Where Red River Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

3 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

Cities with the most offices

Altus, OK	2
Lawton, OK	1

Largest competitors nearby

Local market: Jackson county, OK, around its headquarters.

8 in its local market	Deposit share
Frazer Bank	30.3%
Cattlemens Bank	23.6%
Equity Bank	15.7%
MidFirst Bank	13.4%
Shamrock Bank, N.A.	6.4%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Get an email when Red River Federal Credit Union's nsf / returned item changes in our data

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