Compared with Delaware
2 of 7
compared fees are above the median.
4 below, 1 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
80th percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Delaware median
of 7 compared; 4 below, 1 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Provident 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 Delaware median | Published fees above the Delaware median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Provident Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Nov 2, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 13% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (80th 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 $30K in Q2 2026, 11% above the same quarter a year earlier ($27K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
2 of 7 compared published fees sit above the Delaware median; 4 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 Delaware medians for fees published by banks and credit unions.
Monthly Maintenance
Checking acct
Can be waived with a balance of $300 or more.
NSF / Returned Item
Stop Payment
Compared at $22.50, the middle of its prices
Each amount links to the fee schedule it was read from. Medians for Delaware, the Philadelphia 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 $30K. Its share of revenue, 13%, is above the 7.2% median for credit unions with under $300M in assets.
$30K
Provident 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.
Provident Federal Credit Union · $12M in assets
Banks and credit unions in the Dover, DE metro
Banks and credit unions with branches in the Dover, DE metro: the local competitors for deposits and customers. They range from $68M to $4.1T in assets, so compare prices here, not size.
Banks are counted by their branches in the metro (FDIC Summary of Deposits). Credit unions report no deposits by branch, so a credit union is counted when it has a branch in one of the metro's cities (NCUA branch file).
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Provident Federal Credit Union(this institution) | Dover, DE | $12M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| American Spirit Federal Credit Union | Newark, DE | $68M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Artisans' Bank | Wilmington, DE | $718M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Citizens Bank, National Association | Providence, RI | $232.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Del-One Federal Credit Union | Dover, DE | $983M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Delaware State Police Federal Credit Union | Georgetown, DE | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Citizens Community Bank | Mansfield, PA | $3.2B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| FSNB, National Association | Lawton, OK | $478M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| JPMorgan Chase Bank, National Association | Columbus, OH | $4.1T | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Manufacturers and Traders Trust Company | Buffalo, NY | $218.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| PNC Bank, National Association | Wilmington, DE | $609.8B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Shore United Bank, National Association | Easton, MD | $6.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| TD Bank, National Association | Wilmington, DE | $342.8B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wells Fargo Bank, National Association | Sioux Falls, SD | $1.9T | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Savings Fund Society, FSB | Wilmington, DE | $22.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
14 peers selected · 12 publish this fee(monthly maintenance)
2 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $5, against a peer median of $11 among 12 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 26, 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.
Compare local deposit competitors in HamiltonSource: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for Provident 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 | $30K | $0 | 0.0% |
| Q1 2026 | $30K | −$5K | −14.3% |
| Q4 2025 | $35K | +$5K | +16.7% |
| Q3 2025 | $30K | +$3K | +11.1% |
| Q2 2025 | $27K | −$2K | −6.9% |
| Q1 2025 | $29K | −$5K | −14.7% |
| Q4 2024 | $34K | −$1K | −2.9% |
| Q3 2024 | $35K | +$7K | +25.0% |
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, Provident 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 Provident Federal Credit Union by share.
Amounts from Provident Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per half hour · Checking acct. – reconciliation | $25.00 per half hour
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per item
per item
per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Checking acct. monthly service fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Checking acct. – reconciliation | $25Not compared: Charged per half hour; comparison unavailable | per half hour | Checking acct. – reconciliation | $25.00 per half hour |
| Member personal fax request (in state) | $1Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Member personal fax request (out of state) | $2Below the U.S. middle 50% ($6 to $25 nationally) | Not stated | None |
| Payment Investigation Fee for Virtual Branch Bill Payment | $45Above the U.S. middle 50% ($6 to $25 nationally) | per item | None |
Overdraft & NSF | |||
| NSF member sharedraft fee | $35Above the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft transfer | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Check Services | |||
| ACH stop payment | $30Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Check stop payment order | $15Below the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Non member check cashing | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per item | None |
| Check copies | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Account Services | |||
| Notary service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| 10″ x 10″ Safe Deposit Box | $100Above the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3″ x 10″ Safe Deposit Box | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 3″ x 5″ Safe Deposit Box | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5″ x 10″ Safe Deposit Box | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| 5″ x 5″ Safe Deposit Box | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Processing an IRS & State Tax Levy | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Lending Fees | |||
| Visa & Loan late payment | $30Above the U.S. middle 50% ($15 to $25 nationally) | per item | None |
Other Fees | |||
| Interim statement – acct. activity | $3Not compared: Charged per page; comparison unavailable | per page | None |
| Member personal fax request (in state) | $1Below the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Member personal fax request (out of state) | $2Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Skip A Pay | $25Inside the U.S. middle 50% ($20 to $37.50 nationally) | per item | None |
Nov 2, 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 Provident Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 2 states (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Dover, DE | 1 |
| Elkton, MD | 1 |
Largest competitors nearby
Local market: Kent county, DE, around its headquarters.
| 13 in its local market | Deposit share |
|---|---|
| Wilmington Savings Fund Society, FSB | 31% |
| Manufacturers and Traders Trust Company | 18.6% |
| PNC Bank, National Association | 14.9% |
| Shore United Bank, National Association | 9.5% |
| Citizens Bank, National Association | 8.9% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
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