First Peoples Community Federal Credit Union

Headquarters: Cumberland, Maryland
Charter: Credit Union
Assets: $666.1M
Fed district: Richmond
Regulator: NCUA

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

Source: its fee schedule, read Nov 3, 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 Nov 3, 2026

How these figures are measured

Call-report figures are for First Peoples 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) 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.	First Peoples Community Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 3, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: First Peoples Community 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 $1.3M in Q2 2026, 2.8% above the same quarter a year earlier ($1.3M).
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
First Peoples Community Federal Credit Union: $5
First Peoples Community Federal Credit Union: $5
U.S. median: no median
Overdraft (OD)
First Peoples Community Federal Credit Union: $40
First Peoples Community Federal Credit Union: $40
U.S. median: no median
Non-Network ATM
First Peoples Community Federal Credit Union: $1
First Peoples Community Federal Credit Union: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 3, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Maryland, the Richmond 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).
Maryland: Banks and credit unions headquartered in Maryland that publish the fee.
Richmond district: Banks and credit unions headquartered in the Richmond 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 $1.3M.

Fee income, Q2 2026

$1.3M

$1.3MQ3 2025

$1.4MQ4 2025

$1.3MQ1 2026

$1.3MQ2 2026

Against the median

First Peoples Community 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

First Peoples Community Federal Credit Union · $666M 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 20 states.

Credit unions only
$633M to $696M in assets
Headquartered in 20 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
First Peoples Community Federal Credit Union(this institution)	Cumberland, MD	$666M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Abilene Teachers Federal Credit Union	Abilene, TX	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Adventure Federal Credit Union	Grand Rapids, MI	$646M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Align Federal Credit Union	Lowell, MA	$651M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
American 1 Federal Credit Union	Jackson, MI	$661M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Apci Federal Credit Union	Lehigh Valley, PA	$678M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Beehive Federal Credit Union	Rexburg, ID	$648M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bellwether Community Federal Credit Union	Manchester, NH	$675M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Coast360 Federal Credit Union	Maite, GU	$633M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Consumer Federal Credit Union	Greeneville, TN	$660M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Evergreen Federal Credit Union	Portland, ME	$645M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Fedex Employees Credit Association Federal Credit Union	Memphis, TN	$641M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Financial Resources Federal Credit Union	Branchburg, NJ	$659M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Fort Bragg Federal Credit Union	Fayetteville, NC	$690M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Innovations Financial Federal Credit Union	Panama City, FL	$696M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
Inova Federal Credit Union	Elkhart, IN	$643M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Johns Hopkins Federal Credit Union	Baltimore, MD	$637M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Metro Credit Union	Omaha, NE	$646M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
O Bee Federal Credit Union	Lacey, WA	$677M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Omni Community Federal Credit Union	Battle Creek, MI	$662M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Our Community Federal Credit Union	Shelton, WA	$638M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Partner Colorado Federal Credit Union	Arvada, CO	$644M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Premier One Federal Credit Union	San Jose, CA	$656M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Rio Grande Federal Credit Union	Albuquerque, NM	$666M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security Federal Credit Union	Grand Blanc, MI	$653M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Wasatch Peaks Federal Credit Union	Ogden, UT	$658M	Monthly maintenance not published	Publishes Out-of-network ATM	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

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

Its published price is $5, against a peer median of $5 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

First Peoples Community F…Peer (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 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 First Peoples Community 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: $1.3M
vs prior quarter: +$53K+4.1%; from Q1 2026
vs a year earlier: +$37K+2.8%; from Q2 2025
vs start of range: −$165K−10.9%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: First Peoples Community 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	$1.3M	+$53K	+4.1%
Q1 2026	$1.3M	−$97K	−7.0%
Q4 2025	$1.4M	+$53K	+4.0%
Q3 2025	$1.3M	+$28K	+2.1%
Q2 2025	$1.3M	−$33K	−2.5%
Q1 2025	$1.3M	−$133K	−9.0%
Q4 2024	$1.5M	−$36K	−2.4%
Q3 2024	$1.5M	+$79K	+5.5%

Fee-income share against its size cohort

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

Published fee schedule

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

Account Maintenance

Membership Maintenance Fee$5
Account Closing (within 90 days)$5
Account Reconcilement$30
Not compared: Charged per half hour; comparison unavailable
per half hour · Account Reconcilement | $30.00 per 1/2 hour
Paper Statement Fee$1
per month
Returned Mail$5
Not compared: Charged per statement; comparison unavailable
per statement · Returned Mail | $5.00 per statement/notice

Overdraft & NSF

ATM/ACH Overdraft$40

ATM & Card

ATM Withdrawal (Foreign ATM)$1
Visa Debit Card Replacement$10
International purchases1%of the transaction

Wire Transfers

Wire Transfer-Outgoing$20
Wire Transfer-Incoming$15
Wire Transfer-Outgoing International$57

Check Services

Official Check$5
Money Order$2.50
ACH/Foreign Draft Stop Payment$25
Stop Payment$25
Negative Balance Collection Fee (after 30 days)$35
per item

Digital & Electronic

Online Bill PaymentNo charge

Cash & Deposit

Coin Counting Service5%($2 minimum)
Coin Counting Service (audience not stated, treated as personal)5%($2 minimum)
Visa Cash Advance (other institution)$5
Deposit Item Returned$15

Account Services

Notary (excluding in-house documents)$2
Tax Levy$100
Writ of Execution, Attachment, Garnishment$50
Subordination of Lien$25

Lending Fees

Visa Payment Late Fee$15

Other Fees

Photocopy of Sharedraft$5

Fee	Amount	Basis	Note
Account Maintenance
Membership Maintenance Fee	$5	Not stated	None
Account Closing (within 90 days)	$5	Not stated	None
Account Reconcilement	$30Not compared: Charged per half hour; comparison unavailable	per half hour	Account Reconcilement \| $30.00 per 1/2 hour
Paper Statement Fee	$1	per month	None
Returned Mail	$5Not compared: Charged per statement; comparison unavailable	per statement	Returned Mail \| $5.00 per statement/notice
Overdraft & NSF
ATM/ACH Overdraft	$40	Not stated	None
ATM & Card
ATM Withdrawal (Foreign ATM)	$1	Not stated	None
Visa Debit Card Replacement	$10	Not stated	None
International purchases	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer-Outgoing	$20	Not stated	None
Wire Transfer-Incoming	$15	Not stated	None
Wire Transfer-Outgoing International	$57	Not stated	None
Check Services
Official Check	$5	Not stated	None
Money Order	$2.50	Not stated	None
ACH/Foreign Draft Stop Payment	$25	Not stated	None
Stop Payment	$25	Not stated	None
Negative Balance Collection Fee (after 30 days)	$35	per item	None
Digital & Electronic
Online Bill Payment	No charge	Not stated	None
Cash & Deposit
Coin Counting Service	5%($2 minimum)	Not stated	None
Coin Counting Service (audience not stated, treated as personal)	5%($2 minimum)	Not stated	None
Visa Cash Advance (other institution)	$5	Not stated	None
Deposit Item Returned	$15	Not stated	None
Account Services
Notary (excluding in-house documents)	$2	Not stated	None
Tax Levy	$100	Not stated	None
Writ of Execution, Attachment, Garnishment	$50	Not stated	None
Subordination of Lien	$25	Not stated	None
Lending Fees
Visa Payment Late Fee	$15	Not stated	None
Other Fees
Photocopy of Sharedraft	$5	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

Nov 3, 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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