Compared with West Virginia
5 of 22
compared fees are above the median.
11 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
63rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the West Virginia median
of 22 compared; 11 below, 6 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for Peoples 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 West Virginia median | Published fees above the West Virginia median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Peoples 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 9.1% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (63rd 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 $215K in Q2 2026, 10% above the same quarter a year earlier ($195K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
5 of 22 compared published fees sit above the West Virginia median; 11 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 West Virginia medians for fees published by banks and credit unions.
NSF / Returned Item
Overdraft (OD)
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for West Virginia, the Richmond district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income rose 7.0% from Q3 2025 to Q2 2026, to $215K. Its share of revenue, 9.1%, is above the 7.2% median for credit unions with under $300M in assets.
$215K
Peoples 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.
Peoples Federal Credit Union · $131M 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 18 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Peoples Federal Credit Union(this institution) | Nitro, WV | $131M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Bragg Mutual Federal Credit Union | Fayetteville, NC | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Cenla Federal Credit Union | Alexandria, LA | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Clean Energy Federal Credit Union | Englewood, CO | $130M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Eastex Federal Credit Union | Evadale, TX | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Firefighters & Company Federal Credit Union | Dayton, OH | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Firefighters Federal Credit Union | Onalaska, WI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Gas And Electric Federal Credit Union | Rock Island, IL | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Heritage Valley Federal Credit Union | York, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Members Advantage Federal Credit Union | Michigan City, IN | $132M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| North Iowa Community Federal Credit Union | Mason City, IA | $128M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Oakdale Federal Credit Union | Oakdale, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Pikes Peak Federal Credit Union | Colorado Springs, CO | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Premier Financial Federal Credit Union | New Holstein, WI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Russell Country Federal Credit Union | Great Falls, MT | $131M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Stagepoint Federal Credit Union | Laramie, WY | $131M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Straits Area Federal Credit Union | Cheboygan, MI | $132M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Sun Federal Credit Union | Hollywood, FL | $129M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Sunrise Family Federal Credit Union | Bay City, MI | $133M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Trademark Federal Credit Union | Augusta, ME | $132M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Tri Boro Federal Credit Union | Munhall, PA | $131M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Triangle Federal Credit Union | Columbus, MS | $129M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Ufirst Federal Credit Union | Plattsburgh, NY | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Community Federal Credit Union | West Mifflin, PA | $129M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| United Community Federal Credit Union | Houston, TX | $128M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| University Of Nebraska Federal Credit Union | Lincoln, NE | $131M | 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 · 10 publish this fee(out-of-network atm)
15 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
The peer median is $1.31 among 10 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 24, 2026.
Out-of-network ATM fee in dollars, one mark per institution
Peoples Federal Credit Union does not publish an out-of-network atm 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 Oct 24, 2026. Total assets from FDIC and NCUA records.
Call reports for Peoples 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 | $215K | +$21K | +10.8% |
| Q1 2026 | $194K | $0 | 0.0% |
| Q4 2025 | $194K | −$7K | −3.5% |
| Q3 2025 | $201K | +$6K | +3.1% |
| Q2 2025 | $195K | +$26K | +15.4% |
| Q1 2025 | $169K | −$21K | −11.1% |
| Q4 2024 | $190K | −$3K | −1.6% |
| Q3 2024 | $193K | +$3K | +1.6% |
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, Peoples 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 Peoples Federal Credit Union by share.
Amounts from Peoples Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per hour · Account Reconciliation and Research - $50.00/hour
per month
per item
per item
per item
per item
per item
per item
per item
per item
per item
per year
per year
per year
per year
per year
per year
per year
per year
per item
per item
per page · Fax Service (Incoming/Outgoing) - $1.00/page
per month
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Account Close within 90 days | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Escheatment Service | $75Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Inactive and Low Balance Account (Inactive for 12 months and balances of less than $500.00) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation and Research | $50Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation and Research - $50.00/hour |
| Bad Address/Undeliverable Mail | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Privilege (ODP) | $25Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Non-Sufficient Funds (NSF) | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Returned Item | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer | $3Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Card Replacement | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
Wire Transfers | |||
| Wire Transfer: Domestic Outgoing | $15Below the U.S. middle 50% ($20 to $25 nationally) | per item | None |
| Wire Transfer: Domestic Incoming | No chargeBelow the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer: International | $25Below the U.S. middle 50% ($40 to $50 nationally) | per item | None |
Check Services | |||
| Cashier’s Check | $5Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $25Inside the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Starter Checks | $2Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
| Foreign Item Collection | $25Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Photocopy of Cancelled/Cleared Checks | $3.50Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Bill Pay (offered with a valid checking account) | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return | $25Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
| Drilling of Boxes | $200Not compared: Box drilling or key fee | per item | None |
| Replacement Key | $25Not compared: Box drilling or key fee | per item | None |
| Safe Deposit Box 10 x 10 | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 5 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box 7 x 10 | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fees: 3 x 10 | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fees: 3 x 5 | $15Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fees: 5 x 10 | $35Inside the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Safe Deposit Box Fees: 5 x 5 | $20Below the U.S. middle 50% ($32.50 to $60 nationally) | per year | None |
| Garnishment | $50Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Verification of Deposit | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Verification of Deposit (faxed) | $20Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Other Fees | |||
| Copy of Statements | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Fax Service (Incoming/Outgoing) | $1Not compared: Charged per page; comparison unavailable | per page | Fax Service (Incoming/Outgoing) - $1.00/page |
| Extension Agreement or Skip Pay | $25Not compared: Monthly charge, not per item | per month | 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 Peoples Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
4 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Cross Lanes, WV | 1 |
| Eleanor, WV | 1 |
| Nitro, WV | 1 |
| Point Pleasant, WV | 1 |
Largest competitors nearby
Local market: Kanawha and Putnam counties, WV, around its headquarters.
| 31 in its local market | Deposit share |
|---|---|
| Truist Bank | 25.6% |
| United Bank | 16.8% |
| City National Bank of West Virginia | 14.6% |
| The Huntington National Bank | 9.6% |
| JPMorgan Chase Bank, National Association | 8.7% |
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.