Compared with West Virginia
9 of 22
compared fees are above the median.
6 below, 7 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
31st 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; 6 below, 7 about the same
See the feesFee schedule read Nov 2, 2026
Call-report figures are for West Virginia 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. | West Virginia 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 4.7% of revenue, below the 7.2% median of 2,932 credit unions with under $300M in assets (31st 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 $97K in Q2 2026, 11% below the same quarter a year earlier ($109K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 22 compared published fees sit above the West Virginia 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 West Virginia medians for fees published by banks and credit unions.
Monthly Maintenance
Fresh Start Checking $4.99 · Gold Checking $5
Compared at $5.00, the middle of its prices
Overdraft (OD)
NSF / Returned Item
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 fell 24% from Q3 2025 to Q2 2026, to $97K. Its share of revenue, 4.7%, is below the 7.2% median for credit unions with under $300M in assets.
$97K
West Virginia 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. *Monthly maintenance: Listed at $4.99 to $5; we compare the midpoint.
West Virginia Federal Credit Union · $142M 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 21 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| West Virginia Federal Credit Union(this institution) | South Charleston, WV | $142M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| 1St Ed Credit Union | Chambersburg, PA | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Arkansas Best Federal Credit Union | Fort Smith, AR | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Aurora Federal Credit Union | Aurora, CO | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Baptist Health South Florida Federal Credit Union | Miami, FL | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Breakwater Federal Credit Union | Houghton, MI | $138M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Buffalo Metropolitan Federal Credit Union | Buffalo, NY | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Campbell Federal Credit Union | Maple Shade, NJ | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Celco Community Federal Credit Union | Narrows, VA | $144M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| Central Missouri Community Federal Credit Union | Warrensburg, MO | $140M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Community Powered Federal Credit Union | Bear, DE | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| First Priority Federal Credit Union | Boston, MA | $139M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Florida West Coast Federal Credit Union | Brandon, FL | $144M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Heart Of Louisiana Federal Credit Union | Pineville, LA | $143M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Indiana State University Federal Credit Union | Terre Haute, IN | $140M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Market USA Federal Credit Union | Laurel, MD | $142M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Meridia Community Federal Credit Union | Hamburg, NY | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North Alabama Educators Federal Credit Union | Huntsville, AL | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pacific Cascade Federal Credit Union | Eugene, OR | $140M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Pacific Horizon Federal Credit Union | Springville, UT | $141M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Quantum Federal Credit Union | Wichita, KS | $143M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| R T P Federal Credit Union | Rtp, NC | $142M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Siskiyou Federal Credit Union | Yreka, CA | $144M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The One Federal Credit Union | Meadville, PA | $139M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Walled Lake Schools Federal Credit Union | Wolverine Lake, MI | $138M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wcla Federal Credit Union | Olympia, WA | $142M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 9 publish this fee(monthly maintenance)
16 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $5, the middle of its four prices, against a peer median of $5 among 9 publishing peers.
Its four checking prices are $4.99, $4.99, $5 and $5.
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
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.
Call reports for West Virginia 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 | $97K | $0 | 0.0% |
| Q1 2026 | $97K | −$1K | −1.0% |
| Q4 2025 | $98K | −$30K | −23.4% |
| Q3 2025 | $128K | +$19K | +17.4% |
| Q2 2025 | $109K | +$1K | +0.9% |
| Q1 2025 | $108K | −$6K | −5.3% |
| Q4 2024 | $114K | −$9K | −7.3% |
| Q3 2024 | $123K | +$11K | +9.8% |
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, West Virginia 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 West Virginia Federal Credit Union by share.
Amounts from West Virginia Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per month
per month
per hour · Account Reconciliation | $25 per hour (minimum one hour charge)
per hour · Account Research | $25 per hour (minimum one hour charge)
per item
per transaction
per item
per item
per transaction
per item
per item
per item
per item
per item
per item
per item
per item
per page · Fax Fee | $1 per page
per item
per page · Photocopy Fee | $1 per page
per page · Statement Copy | $1 per page
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Fresh Start Checking Monthly maintenance fee | $4.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Gold Checking Monthly maintenance fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Gold Checking Monthly maintenance fee (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $4.99Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Inactive Membership Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account Reconciliation | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Reconciliation | $25 per hour (minimum one hour charge) |
| Account Research | $25Not compared: Charged per hour; comparison unavailable | per hour | Account Research | $25 per hour (minimum one hour charge) |
Overdraft & NSF | |||
| Courtesy Pay NSF | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| NSF/Overdraft Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Premium services available at varying costs as selected NSF/Overdraft Fee | $32Inside the U.S. middle 50% ($25 to $33 nationally) | per transaction | None |
| NSF/Overdraft Fee | $32Inside the U.S. middle 50% ($25 to $32 nationally) | Not stated | None |
| Overdraft Protection Transfer Fee from a WVFCU Account | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Reissue Lost/Stolen Visa ATM/Check Card | $15Above the U.S. middle 50% ($5 to $10 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer - Outgoing Local | $15Below the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Wire Transfer - Incoming to Federal Reserve | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
| Wire Transfer - Outgoing International | $70Above the U.S. middle 50% ($40 to $50 nationally) | Not stated | None |
Check Services | |||
| Official Checks | $2Below the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Stop Payment | $32Above the U.S. middle 50% ($20 to $30 nationally) | per transaction | None |
| Stop Payment - | $32Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Stop Payment (Check or ACH) | $32Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Counter Check Charge | $0.50Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Payroll Check Cashing | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Collection Item (incoming) | $40Above the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Items Sent for Collection | $15Inside the U.S. middle 50% ($10 to $26 nationally) | per item | None |
| Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Official Check Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Digital & Electronic | |||
| Mobile Deposit Capture (MDC) | $0.60Above the U.S. middle 50% ($0 to $0 nationally) | per item | None |
| Mobile Deposit Capture (MDC) Deposit Limit Exception Fee | $0.60Above the U.S. middle 50% ($0 to $0 nationally) | per item | None |
Cash & Deposit | |||
| Deposited Item Return (2nd Party) | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | per item | None |
| Deposited Item Return (Personal) | $25Inside the U.S. middle 50% ($8.81 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 Box (missing both keys) | $250Not compared: Box drilling or key fee | Not stated | None |
| Safe Deposit Box 10" x 10" | $75Above the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 10" | $40Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 3" x 5" | $25Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 10" | $50Inside the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Safe Deposit Box 5" x 5" | $30Below the U.S. middle 50% ($32.50 to $60 nationally) | Not stated | None |
| Processing of Subpoena, Levies & Garnishments | $75Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
| Legal Process | $75Inside the U.S. middle 50% ($50 to $150 nationally) | per item | None |
| Subordination Agreement | $50Inside the U.S. middle 50% ($50 to $150 nationally) | Not stated | None |
Other Fees | |||
| Fax Fee | $1Not compared: Charged per page; comparison unavailable | per page | Fax Fee | $1 per page |
| Photocopy Fee | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Photocopy Fee | $1Not compared: Charged per page; comparison unavailable | per page | Photocopy Fee | $1 per page |
| Statement Copy | $1Not compared: Charged per page; comparison unavailable | per page | Statement Copy | $1 per page |
| Statement Copy | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
| Loan Modification Fee | $250Above 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
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 West Virginia 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
| Saint Albans, WV | 1 |
| South Charleston, WV | 1 |
Largest competitors nearby
Local market: Kanawha county, WV, around its headquarters.
| 27 in its local market | Deposit share |
|---|---|
| Truist Bank | 29.6% |
| United Bank | 20% |
| City National Bank of West Virginia | 14.4% |
| The Huntington National Bank | 10.5% |
| JPMorgan Chase Bank, National Association | 8.5% |
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.