Compared with Nevada
5 of 17
compared fees are above the median.
6 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
48th percentile; peer median 7.9%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Nevada median
of 17 compared; 6 below, 6 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Elko 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 569 credit unions with $300M to $1B 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 Nevada median | Published fees above the Nevada median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Elko 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
Fee income was 7.8% of revenue, below the 7.9% median of 569 credit unions with $300M to $1B in assets (48th 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 $444K in Q2 2026, 1.3% below the same quarter a year earlier ($450K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 17 compared published fees sit above the Nevada median; 6 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 Nevada medians for fees published by banks and credit unions.
Monthly Maintenance
Second Chance Checking
Overdraft (OD)
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Nevada, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 4.9% from Q3 2025 to Q2 2026, to $444K. Its share of revenue, 7.8%, is below the 7.9% median for credit unions with $300M to $1B in assets.
$444K
Elko 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 569 credit unions with $300M to $1B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Elko Federal Credit Union · $351M 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 14 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Elko Federal Credit Union(this institution) | Elko, NV | $351M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Affidian Federal Credit Union | Denver, CO | $360M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Agriculture Federal Credit Union | Merrifield, VA | $351M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Extra Federal Credit Union | Warren, MI | $345M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Family First Of Ny Federal Credit Union | Rochester, NY | $345M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Alliance Federal Credit Union | Rochester, MN | $358M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Basin Federal Credit Union | Odessa, TX | $343M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Freestar Financial Federal Credit Union | Mount Clemens, MI | $350M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Guadalupe Federal Credit Union | Santa Fe, NM | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Gulf Federal Credit Union | Groves, TX | $349M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Industrial Federal Credit Union | Lafayette, IN | $356M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Massmutual Federal Credit Union | Springfield, MA | $344M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Plus Federal Credit Union | Medford, MA | $349M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Michigan United Federal Credit Union | Auburn Hills, MI | $349M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Mobility Credit Union | Irving, TX | $358M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Net Federal Credit Union | Scranton, PA | $354M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Peninsula Federal Credit Union | Escanaba, MI | $356M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Red Rocks Federal Credit Union | Littleton, CO | $344M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sharepoint Federal Credit Union | Bloomington, MN | $360M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Siouxland Federal Credit Union | South Sioux City, NE | $352M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| Solidarity Community Federal Credit Union | Kokomo, IN | $351M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Strata Federal Credit Union | Bakersfield, CA | $345M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Transportation Federal Credit Union | Alexandria, VA | $346M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Financial Federal Credit Union | Saginaw, MI | $360M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Unitedone Federal Credit Union | Manitowoc, WI | $348M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Us Community Federal Credit Union | Nashville, TN | $346M | 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 · 14 publish this fee(monthly maintenance)
11 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $10, against a peer median of $5.48 among 14 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
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.
Call reports for Elko 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 | $444K | +$32K | +7.8% |
| Q1 2026 | $412K | −$30K | −6.8% |
| Q4 2025 | $442K | −$25K | −5.4% |
| Q3 2025 | $467K | +$17K | +3.8% |
| Q2 2025 | $450K | +$37K | +9.0% |
| Q1 2025 | $413K | +$11K | +2.7% |
| Q4 2024 | $402K | −$26K | −6.1% |
| Q3 2024 | $428K | +$50K | +13.2% |
Financial cohort: 570 credit unions with $300M to $1B in assets filing for Q2 2026; 569 reported a share above 0% and are counted, Elko 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 Elko Federal Credit Union by share.
Amounts from Elko Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
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| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Second Chance Checking service charge | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Closure | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Account Closure | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Excessive Withdrawal | $5Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Debit Card Overdraft | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| One-Time Debit Overdraft | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Overdraft | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Nonsufficient funds fee | $25Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| NSF | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
ATM & Card | |||
| A. ATM Fees | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| ATM Transaction | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
| Replacement card fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Replacement card fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Currency Conversion (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Wire Transfers | |||
| Wire Transfer (Outgoing) | $20Inside the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Foreign Wire Transfer (Outgoing) | $32Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Teller Check Fee | $8Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $2Inside the U.S. middle 50% ($2 to $3 nationally) | per item | None |
| Bill Pay Paper Check Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment | $10Below the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Foreign Check Processing: Collected Credit | $40Above the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Foreign Check Processing: Provisional Credit | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Items Sent for Collection | $10Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Copy of Draft | $2.50Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $10Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
| Bill Payment, Audio | $10Not compared: Per-item charge, not monthly | per item | None |
| E-Returns/Rejects | $6.25Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Expedited Bill Pay (Next Day Check Delivery) | $24.95Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Postal Returns | $12.50Above the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return | $6Below the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
| Returned Item | $25Inside the U.S. middle 50% ($8.88 to $25 nationally) | per item | None |
Account Services | |||
| Garnishment/Levy Processing | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Legal Process | $10Below the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Visa Gift Card | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
| Visa Travel Card Reload | $3.95Inside the U.S. middle 50% ($3 to $4.95 nationally) | per item | None |
Other Fees | |||
| Fax (Outgoing) | $1.25Not compared: Charged per page; comparison unavailable | per page | None |
| Statement Copy | $3Inside the U.S. middle 50% ($2 to $5 nationally) | 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
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.
Where Elko 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
| Elko, NV | 1 |
| Spring Creek, NV | 1 |
Largest competitors nearby
Local market: Elko county, NV, around its headquarters.
| 5 in its local market | Deposit share |
|---|---|
| Zions Bancorporation, N.A. | 33.5% |
| Wells Fargo Bank, National Association | 30.6% |
| U.S. Bank National Association | 15.7% |
| WaFd Bank | 10.9% |
| Nevada Bank and Trust Company | 9.3% |
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.