Compared with Colorado
5 of 17
compared fees are above the median.
8 below, 4 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
32nd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Colorado median
of 17 compared; 8 below, 4 about the same
See the feesFee schedule read Oct 14, 2026
Call-report figures are for Westminster 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 Colorado median | Published fees above the Colorado median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Westminster 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 4.8% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (32nd 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 $31K in Q2 2026, 6.1% below the same quarter a year earlier ($33K).
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 Colorado 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 Colorado medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Stop Payment
Compared at $17.98, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Colorado, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income was about level from Q3 2025 to Q2 2026, at $31K. Its share of revenue, 4.8%, is below the 7.2% median for credit unions with under $300M in assets.
$31K
Westminster 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.
Westminster Federal Credit Union · $55M 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 |
|---|---|---|---|---|---|---|---|
| Westminster Federal Credit Union(this institution) | Westminster, CO | $55M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Altonized Community Federal Credit Union | Alton, IL | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Brooklyn Cooperative Federal Credit Union | Brooklyn, NY | $56M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Charlotte Fire Department Federal Credit Union | Charlotte, NC | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Cutting Edge Federal Credit Union | Milwaukie, OR | $53M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Electrical Federal Credit Union | Arvada, CO | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Forge Federal Credit Union | Upper Darby, PA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Heart O' Texas Federal Credit Union | Waco, TX | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Hopewell Chemical Federal Credit Union | Hopewell, VA | $56M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Inland Valley Federal Credit Union | fontana, CA | $54M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Kue Federal Credit Union | Lexington, KY | $56M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| L. A. Electrical Workers Credit Un. Federal Credit Union | Pasadena, CA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Lancaster Red Rose Federal Credit Union | Leola, PA | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Lifetime Federal Credit Union | Richardson, TX | $55M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Newport News Mun. Emp Credit Union | Newport News, VA | $54M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Penn Federal Credit Union | Philadelphia, PA | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Post Office Employees' Federal Credit Union | Metairie, LA | $55M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Priority Federal Credit Union | Orlando, FL | $56M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Qside Federal Credit Union | Queens Village, NY | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Ravenswood Federal Credit Union | Ravenswood, WV | $54M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rockland Employees Federal Credit Union | Spring Valley, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Spirit Of America Federal Credit Union | Lincoln, NE | $53M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Total Choice Federal Credit Union | Hahnville, LA | $54M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Northwest Federal Credit Union | Norton, KS | $55M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Van Cortlandt Cooperative Federal Credit Union | Bronx, NY | $55M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Wayne County Community Federal Credit Union | Smithville, OH | $54M | Monthly maintenance not published | 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.
Peer pricing snapshot
The peer median is $3.25 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 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Westminster 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 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Westminster 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 | $31K | −$1K | −3.1% |
| Q1 2026 | $32K | −$6K | −15.8% |
| Q4 2025 | $38K | +$7K | +22.6% |
| Q3 2025 | $31K | −$2K | −6.1% |
| Q2 2025 | $33K | −$3K | −8.3% |
| Q1 2025 | $36K | −$4K | −10.0% |
| Q4 2024 | $40K | −$2K | −4.8% |
| Q3 2024 | $42K | +$3K | +7.7% |
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, Westminster 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 Westminster Federal Credit Union by share.
Amounts from Westminster Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per item
per item · 4 per page
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure – Within | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment: New (audience not stated, treated as personal) | $10.95Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment: Single ACH/Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | 4 per page |
| Temporary Checks (4 per Page) | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Check Copy: Online (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Digital & Electronic | |||
| ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Returned Item | $29Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (per Stamp) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| MONEY MARKET – ASSESSED IF: GARNISHMENTS/LEVY | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Returned Payment | $29Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | 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
vs. the U.S. middle 50%:BelowInsideAbove
per item
per hour
per item
per item · 4 per page
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Early Account Closure – Within | No chargeBelow the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Account Research | $20Not compared: Charged per hour; comparison unavailable | per hour | None |
| Returned Mail | $10Above the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
Overdraft & NSF | |||
| Courtesy Pay | $29Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Non-Sufficient Funds (NSF) | $29Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
Check Services | |||
| Cashier’s Check | $7Above the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Order | $1.50 | Not stated | None |
| Stop Payment: Single ACH/Check | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Temporary Checks | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | 4 per page |
| Temporary Checks (4 per Page) | $4Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Digital & Electronic | |||
| ACH Origination | $5Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| ACH Returned Item | $29Inside the U.S. middle 50% ($19.75 to $30 nationally) | Not stated | None |
Account Services | |||
| Notary | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Notary (per Stamp) | $5Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| MONEY MARKET – ASSESSED IF: GARNISHMENTS/LEVY | $50Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| Subordination | $150Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment | $20Inside the U.S. middle 50% ($15 to $25 nationally) | Not stated | None |
Gift & Prepaid Cards | |||
| Gift Cards | $3.50Inside the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Returned Payment | $29Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
| Skip-A-Payment | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
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 Westminster Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
1 office in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Westminster, CO | 1 |
Largest competitors nearby
Local market: Adams, Jefferson and Broomfield counties, CO, around its headquarters.
| 63 in its local market | Deposit share |
|---|---|
| PNC Bank, National Association | 25.1% |
| Wells Fargo Bank, National Association | 21.6% |
| JPMorgan Chase Bank, National Association | 15.1% |
| U.S. Bank National Association | 11.3% |
| Solera National Bank | 5.2% |
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.